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LIBRARY 

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NET  RATES  AND  RESERVES 


ADAPTED  TO  CALCULATIONS  INVOLVING 


PRELIMINARY  TERM  INSURANCE 


AI.SO   TABL,ES   FOR 


VARIOUS  INCREASING  TEMPORARY  INSURANCES 


BY 


WILBUR  S.  TUPPER 

t/ 

Vice-Pkesiuent  of  the  Conservative  Life  Insuuance  Company 


•J*«3* 


NEW   YORK 

C.  C.  HINE'S  SONS  COMPANY 
1904 


\\^ 


Explanation  of  Tables. 

The  net  premiums  and  reserves  for  Preliminary  Term  policies 
are  given  at  the  ages  at  which  the  Whole  Life  or  Endowment  contract 
begins.  For  example,  the  net  premium  as  given  in  the  tables  at  age 
21  is  the  premium  required  for  the  second  policy  year  under  a  Pre- 
liminary Term  policy  issued  at  age  20,  and  the  reserve  for  the  first 
year  at  age  2 1  is  the  reserve  for  the  second  policy  year  under  a  Pre- 
liminary Term  policy  issued  at  age  20.  If  this  is  borne  in  mind  no 
confusion  will  arise  in  using  the  tables. 

The  net  premiums  and  reserves  for  Increasing  Temporary  In- 
surances, or  Mortuary  Additions,  are  given  on  the  basis  of  $1,000 
added  to  the  insurance  annually. 


Copyright,  1904 

C.  C.  Mine's  Sons  Company 

New  York,  N.  Y. 


INTRODUCTION. 

About  one-half  of  the  Legal  Reserve  Life  Insurance  Companies  in 
the  United  States  calculate  their  reserves  upon  what  is  styled  "  Prelimi- 
nary Term  Valuation". 

The  phrase  "Preliminary  Term  Valuation "  is  a  misnomer.  It  is  apt 
to  convey  to  the  layman  the  idea  that  there  are  two  systems  or  ways  of 
valuing  policies  under  the  same  legal  reserve  laws;  or  that  the  legal 
reserve  laws  of  the  various  States  may  be  interpreted  in  two  different 
ways.  Much  confusion  has  arisen  from  the  use  of  the  term  referred  to, 
and  some  of  the  discussion  on  the  subject  has  been  clouded  by  reason 
thereof. 

As  a  matter  of  fact,  there  is  but  one  way  of  interpreting  the  legal 
reserve  statutes  in  the  various  States;  and  as  a  rule  these  laws  are 
unambiguous.  A  One  Year  Term  contract  must  be  valued  as  One 
Year  Term,  whether  written  by  one  of  the  oldest  and  largest  companies, 
or  by  one  of  the  youngest  and  smallest.  A  Nineteen  Payment  Life 
policy  must  be  valued  as  such  by  all  Insurance  Departments,  regardless 
of  the  company  writing  it.  The  only  question  that  can  logically  arise  is 
as  follows : 

Has  a  Legal  Reserve  company  a  legal  right  to  write  a  One  Year 
Term  as  such,  the  same  to  be  followed,  for  example,  by  a  Nineteen  Pay- 
ment Life,  the  two  contracts  to  be  issued  as  one  document,  and  each  and 
the  whole  to  be  construed  according  to  the  terms  of  the  same,  like  any 
other  contract? 

The  question  is  analogous  to  the  rental  of  a  certain  property  or 
estate  for  one  year,  to  be  followed  by  a  lease  for  a  term  of  years;  it 
being  agreed  that  the  second  lease  shall  go  into  effect  upon  payment 
of  the  first  installment  of  the  rental  due  at  the  beginning  of  the  second 
term. 

There  has  been  much  occasion  and  demand  for  actuarial  data 
adapted  to  Life  and  Endowment  contracts  written  with  a  One  Year 
Preliminary  Term.  Many  standard  books  of  reference  give  net  rates 
and  reserves  for  Life  and  Endowment  policies  for  periods  of  Ten,  Fif- 
teen and  Twenty  years.  There  are  no  publications,  however,  of  easy 
access,  giving  these  data  for  periods  of  Nine,  Fourteen  and  Nineteen 


years.  In  other  words,  some  of  the  essential  elementary  data  required 
by  the  younger  and  smaller  companies  of  the  country  have  heretofore 
not  been  obtainable  in  printed  form. 

Tables  and  rates  herein  have  been  computed  on  the  basis  of  the 
Actuaries'  4  per  cent  and  the  American  3  per  cent  and  3^  per  cent 
Tables,  these  being  the  three  tables  now  in  common  use.  Net  premi- 
ums have  been  calculated  for  the  following  forms  of  policies : 

Ordinary  Life. 

Nineteen  Payment  Life. 

Fourteen  Payment  Life. 

Nine  Payment  Life. 

Nineteen  Year  Endowment. 

Fourteen  Year  Endowment. 

Nine  Year  Endowment. 

Terminal  and  mean  reserve  values  are  given  for  the  above  forms  of 
policies  in  conjunction  with  One  Year  Term  insurance  for  the  first  year 
of  the  policy.  Under  this  arrangement  of  reserves  the  usual  method 
of  determining  the  net  value  or  mean  reserve  of  a  policy  for  any  age, 
after  any  given  number  of  years,  is  ascertained  in  the  same  manner  as 
usually  obtains  with  such  tables  without  the  Preliminary  Term  feature. 

Tables  are  also  given  for  net  rates,  mean  and  terminal  reserve 
values  for  Ten,  Fifteen  and  Twenty  Year  Increasing  Temporary  In- 
surances, or  Mortuary  Additions,  as  they  are  properly  called.  The  use 
of  these  tables  for  the  purpose  of  ascertaining  premiums  and  net  values 
on  return  premium  policies  and  other  styles  containing  provision  for 
Increasing  Temporary  Insurance  is  apparent.  It  has  seemed  best  that 
these  tables  should  not  be  calculated  on  the  Preliminary  Term  basis, 
since  a  careful  investigation  of  the  subject  shows  that  most  companies 
employing  Preliminary  Term  treat  their  Increasing  Temporary  Insur- 
ances as  beginning  in  the  first  year  of  insurance. 

All  the  tables  in  this  work  have  been  carefully  computed  and 
checked  by  means  of  Tate's  Arithmometer,  and  afterwards  re -checked 
by  the  method  of  differences.  They  have  since  again  been  carefully 
checked  by  tables  indejjendently  computed  where  these  were  readily 
available.  The  figures  given  are  believed  to  be  accurate  up  to  the  last 
decimal  figure,  which  is  a  close  approximation.  Computations  involv- 
ing decimals  to  a  greater  degreee  of  accuracy  than  those  employed 
would  in  some  instances  add  to  or  subtract  from  the  final  decimal  in  the 
tables  one  or  two  units,  but  without  in  any  way  affecting  the  practical 
accuracy  of  the  figures. 

As  to  the  development  of  the  One  Year  Term  in  connection  with 
Life  and  Endowment  Insurances,  a  few  words  are  appropriate. 


In  the  beginning  of  Legal  Reserve  legislation  the  cost  of  getting 
business  was  much  smaller  than  at  the  present  time,  and  the  technical 
reserve  in  the  first  year  of  insurance  might  relatively  correspond  to  the 
real  reserve  in  the  company's  hands  after  paying  first-year  expenses.  In 
other  words,  the  legal  requirements  were  adapted  to  the  conditions  as 
they  then  existed.  As  time  went  on,  the  cost  of  field  operations  increased. 
The  real  reserve  left  in  the  company's  hands  in  the  first  year  of  insur- 
ance became  smaller  and  smaller.  Companies  were  obliged  to  make  a 
fictitious  credit  by  applying  something  of  their  capital  stock  to  make 
the  technical  reserve  good ;  or,  in  the  case  of  a  mutual  company,  this 
deficit  had  to  come  from  surplus  accumulated  by  policy-holders  alreadv 
in  the  company.  With  the  increasing  cost  of  business  in  the  field  the 
technical  reserve  and  the  real  reserve  have  become  more  and  more 
divergent,  and  the  legal  requirements  do  not  conform  to  present 
conditions.  • 

The  inapplicability  of  the  standard  of  valuation  to  present  condi- 
tions has  nothing  whatever  to  do  with  age,  size  or  strength  of  a  company. 
The  cost  of  new  business  exceeds  the  loading  on  the  premium.  With- 
out recourse  to  a  Preliminary  One  Year  Term,  surplus  belonging  to 
other  policy-holders  must  be  drawn  upon  to  make  a  technical  showing, 
Vx'hich  does  not  exist  in  fact.  The  strongest  and  largest  company  might 
become  technically  insolvent  by  merely  writing  too  large  a  volume  of 
business.  Surely  statutory  provisions  designed  to  regulate  and  safe- 
guard business  are  not  well  adapted  to  present  conditions  when  the  very 
extension  of  that  business  under  the  most  favorable  of  present  condi- 
tions would  lead  to  technical  insolvency,  as  judged  by  the  statutory 
provisions  in  question. 

The  Preliminary  One  Year  Terra  in  the  case  of  Whole  Life  and 
Endowment  policies  is  a  recognition  of  the  facts  as  they  exist.  Under 
this  method  every  entrant  pays  the  cost  involved  in  the  placing  of  his 
own  business  on  the  books  of  the  company.  The  securing  of  his  busi- 
ness is  not  made  an  expense  to  the  policy-holders  already  in  the  com- 
pany; and  similarly  he  is  not  called  upon  to  pay  the  expenses  of  acquir- 
ing others.  It  is  an  elementary  principle  that  he  who  is  benefited 
should^ay  the  cost  of  the  benefit  received.  It  has  been  contended  that 
the  use  of  the  general  surplus  of  a  company  in  establishing  fictitious 
reserves  in  the  first  year  of  insurance  for  new  entrants  is  legitimate  and 
for  the  use  and  benefit  of  policy-holders  already  in  the  company.  It 
is  said  that  the  new  policy-holder  will  in  time  make  good  the  surplus 
taken  from  other  policy-holders'  account  without  their  knowledge  or 
consent.  We  do  not  see  the  force  of  this  reasoning.  The  securing  of 
new  business  involves  an  expense  absolute  and  immediate,  and  the  profit 


to  the  policy-holder  whose  surplus  has  been  used  to  secure  the  new 
business  is  contingent  and  deferred.  Surely  no  profit  will  ever  inure 
to  the  policy-holder  whose  surplus  has  been  used  to  secure  another 
member  of  the  corporate  family  if  such  member  is  allowed  to  retire, 
say  after  three  years,  taking  with  him  the  full  technical  reserve  in 
the  form  of  paid-up  insurance,  or  otherwise.  An  instance  of  this  is  found 
where  companies  allow  retiring  policy-holders  proportionate  parts  in 
paid-up  insurance  on  Limited  Payment  Life  Policies.  On  the  other  hand, 
if  policy-holders  were  not  given  surrender  values,  or  other  concessions, 
in  excess  of  the  real  reserve  in  the  company's  hands,  their  withdrawal 
would  not  adversely  aiifect  the  surplus  of  the  company. 

The  purpose  of  this  book,  however,  is  not  commendation  or  criti- 
cism of  the  policies  or  plans  of  any  company,  nor  is  it  an  argument  for 
or  against  the  so  called  Preliminary  Term  system  of  valuation.  The 
fact  that  one-half  of  tine  Legal  Reserve  Companies  in  the  United  States 
are  operating  on  this  basis  justifies  a  work  of  this  kind. 

The  publication  of  this  book  would  not  have  been  possible  had  it 
not  been  for  subscriptions  made  in  advance  for  the  same  by  many  of 
the  Legal  Reserve  Companies  and  various  State  Departments,  and 
special  thanks  are  due  for  this  co-operation. 

The  author  acknowledges  his  obligation  to  the  Conservative  Life 
Insurance  Company  for  the  use  of  its  calculating  machines  and  other 
facilities  for  preparing  the  work. 

Special  credit  is  due  to  Mr.  Herman  A.  Behrens,  Assistant  Actuary 
of  the  Conservative  Life  Insurance  Company,  who  personally  superin- 
tended most  of  the  work  of  calculating  and  checking. 

The  author  also  acknowledges  his  obligation  to  Mr.  A.  G.  Hann, 
Mr.  O.  K.  Evans,  and  Mr.  G.  W<  Bishop,  assistants  in  the  Actuarial 
Department  of  the  Conservative  Life  Insurance  Company. 

The  author  is  also  under  grateful  obligations  to  Mr.  Walter  S. 
Nichols,  member  of  the  Actuarial  Society  of  America,  and  Editor  of 
the  Insurance  Monitor,  for  helpful  suggestions;  also  to  Mr.  I.  Smith 
Homans,  until  recently  Actuary  of  the  Bankers'  Life  of  New  York, 
and  now  Assistant  Actuary  of  the  Union  Central  Life  Insurance  Com- 
pany, and  to  Mr.  Henry  Moir,  Actuary  of  the  Provident  Saving^s  Life 
Assurance  Society,  for  co-operation  in  checking  figures  herein  with 
tables  independently  derived  and  in  their  possession. 

WILBUR  S.  TUPPER. 

Los  Angeles,  May,  1904. 


Combined  Experience  4% 


COMB. 
EXP. 


NET    PREMIUMS 


4% 


21 

22 
23 
24 
25 

20 
27 
28 
29 
30 

31 
32 
33 
34 
35 

3G 
37 
38 
39 
40 

41 
42 
43 
44 
45 

4G 
47 

48 
49 
50 

51 
52 
53 
54 
55 

5G 

57 
58 
59 
GO 


Ordinary 
Life. 

13.27 
13.61 
13.9G 
14.33 
14.72 

15.13 

15.5G 
IG.Ol 
1G.48 
16.97 

17.49 
18.04 
18.62 
19.23 
19.87 

20.54 
21.26 
22.02 

22.82 
23.68 

24.59 
25.55 
26.58 
27.68 
28.85 

30.08 
31.39 
32.77 
34.23 

35.78 

37.42 
39.15 
41.00 
42.95 
45.03 

47.23 
49.57 
52.07 
54.72 
57.56 


19  Payment 
Life. 

19.98 
20.38 
20.79 
21.21 
21.65 

22.11 

22.58 
23.07 
23.58 
24.11 

24.66 
25.23 
25.83 
26.45 
27.10 

27.77 
28.48 
29.22 
30.00 
30.82 

31.69 
32.60 
33.57 
34.60 
35.67 

36.81 
38.00 
39.25 
40.56 
41.95 

43.41 
44.95 
46.58 
48.31 
50.14 

52.09 
54.17 
56.38 
58.75 
61.29 


Payment 

9  Payment 

Life. 

Life. 

24.44 

34.13 

24.91 

34.79 

25.41 

35.46 

25.92 

36.16 

26.44 

36.89 

26.99 

37.64 

27.56 

38.42 

28.15 

39.22 

28.75 

40.05 

29.38 

40.91 

30.04 

41.80 

30.71 

42.72 

31.41 

43.68 

32.14 

44.66 

32.89 

45.68 

33.08 

46.73 

34.50 

47.82 

35.35 

48.96 

36.24 

50.13 

37.17 

51.36 

38.15 

52.64 

39.18 

53.97 

40.27 

55.37 

41.41 

56.83 

42.60 

58.34 

43.84 

59.91 

45.13 

61.53 

46.48 

63.21 

47.88 

64.93 

49.35 

66.72 

50.88 

68.56 

52.48 

70.47 

54.16 

72.44 

55.91 

74.48 

57.76 

76.59 

59.71 

78.79 

61.76 

81.07 

63.93 

83.44 

66.23 

85.93 

68.68 

88.53 

01 
62 
63 
64 
05 


00.57 
03.78 
07.20 

70.84 

74.72 


04.01 


71.28 


91.25 


00 


78.85 


10 


COMB, 
EXP. 

NET 

PREMIUMS 

1 

4% 

Endowments. 

Mortuary  Additions. 

Aie. 

19  Yrs. 

14  Yrs. 

9  Yrs. 

20  Yrs. 

13  Yrs. 

10  Yrs. 

20 

75.39 

56.80 

38.72 

21 

39.42 

56.79 

94.57 

76.79 

57.78 

39.31 

22 

39.49 

56.85 

94.63 

78.27 

58.81 

39.94 

23 

39.57 

56.92 

94.68 

79.84 

59.89 

40.61 

24 

39. 6G 

56.99 

94.74 

81.53 

61.03 

41.31 

25 

39.75 

57.06 

94.80 

83.39 

62.22 

42.05 

26 

39.84 

57.14 

94.87 

85.45 

63.47 

42.84 

27 

39.94 

57.23 

94.94 

87.77 

64.78 

43.06 

28 

40.05 

57.32 

95.01 

90.37 

66.16 

44.52 

29 

40.10 

57.41 

95.09 

93.28 

67.67 

45.43 

30 

40.29 

57.51 

95.17 

96.52 

69.34 

46.37 

31 

40.42 

57.62 

95.26 

100.11 

71.23 

47.36 

32 

40.57 

57.73 

95.35 

104.09 

73.38 

48.39 

33 

40.72 

57.85 

95.44 

108.49 

75.82 

49.49 

34 

40.90 

57.98 

95.54 

113.34 

78.58 

50.70 

35 

41.09 

58.12 

95.65 

118.66 

81.67 

52.08 

36 

41.30 

58.27 

95.76 

124.49 

85.12 

53.67 

37 

41.54 

58.44 

95.88 

130.87 

88.96 

55.53 

38 

41.80 

58.63 

96.01 

137.81 

93.22 

57.67 

39 

42.10 

58.85 

96.15 

145.35 

97.92 

60.11 

40 

42.43 

59.10 

96.32 

153.52 

103.08 

62.87 

41 

42.80 

59.38 

96.52 

H)2.39 

108.74 

65.94 

42 

43.22 

59.70 

96.75 

172.00 

114.90 

69.36 

43 

43.68 

60.06 

97.01 

182.39 

121.58 

73.13 

44 

44.20 

60.47 

97.32 

193.59 

128.81 

77.26 

45 

44.78 

60.93 

97.67 

205.65 

136.62 

81.75 

46 

45.41 

61.43 

98.05 

218.60 

145.08 

86.62 

47 

40.10 

61.97 

98.47 

232.48 

154.23 

91.91 

48 

40.8G 

62.57 

98.93 

247.31 

164.14 

97.61 

49 

47.68 

63.22 

99.44 

263.12 

174.84 

103.77 

50 

48.58 

63.94 

99.98 

279.89 

186.39 

110.42 

51 

49.57 

64.72 

100.58 

297.64 

198.84 

117.65 

52 

50.65 

65.57 

101.23 

316.36 

212.23 

125.51 

53 

51.82 

66.50 

101.94 

336.03 

226.62 

134.06 

54 

53.11 

67.52 

102.71 

356.61 

242.01 

143.33 

55 

54.52 

68.64 

103.56 

378.07 

258.42 

153.39 

56 

56.05 

69.87 

104.48 

400.35 

275.87 

164.30 

57 

57.73 

71.21 

105.50 

423.36 

294.36 

176.10 

58 

59.57 

72.70 

106.62 

447.02 

313.90 

188.83 

59 

61.59 

74.32 

107.86 

471.23 

334.47 

202.53 

60 

63.79 

76.11 

109.22 

495.85 

356.04 

217.19 

61  66.19  78.08  110.72 


Of  THE 


11 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

19  Payment  Life 

Years. 

Atfe. 

1 

2 

3 

4 

5 

21 

13.50 

27.57 

42.20 

57.45  . 

73.32 

22 

13.83 

28.22 

43.21 

58.81 

75.06 

23 

14.16 

28.90 

44.24 

00.22 

76.85 

24 

14.50 

29.60 

45.31 

61.07 

78.70 

25 

14.86 

30.32 

46.42 

03.10 

80.60 

26 

15.22 

31.07 

47.55 

64.70 

82.55 

27 

15.60 

31.83 

48.71 

00.27 

84.56 

28 

15.99 

32.61 

49.91 

67.90 

80.62 

29 

16.38 

33.42 

51.14 

69.57 

88.75 

30 

16.79 

34.25 

52.41 

71.30 

90.96 

31 

17.22 

35.11 

53.72 

73.09 

93.24 

32 

17.65 

36.00 

55.09 

74.94 

95.60 

33 

18.10 

36.93 

56.51 

76.87 

98.07 

34    . 

18.58 

37.89 

57.98 

78.88 

100.63 

35 

19.07 

38.89 

59.52 

80.97 

103.31 

36 

19.58 

39.95 

61.13 

83.16 

106.11 

37 

20.13 

41.05 

62.82 

85.47 

109.05 

38 

20.69 

42.20 

64.59 

87.88 

112  12 

39 

21.29 

43.43 

66.46 

90.41 

115.27 

40 

21.92 

44.72 

68.41 

93.00 

118.46 

41 

22.58 

46.05 

70.39 

95.58 

121.63 

42 

23.27 

47.39 

72.34 

98.13 

124.73 

43 

23.93 

48.68 

74.24 

100.58 

127.73 

44 

24.57 

49.93 

76.05 

102.95 

130.05 

45 

25.20 

51.12 

77.81 

105.26 

133.52 

46 

25.77 

52.27 

79.52 

107.54 

136.36 

47 

26.36 

53.43 

81.25 

109.83 

139.19 

48 

26.94 

54.60 

82.98 

112.12 

142.02 

49 

27.54 

55.78 

84.73 

114.41 

144.84 

50 

28.13 

56.95 

86.40 

110.07 

147.05 

51 

28.73 

58.12 

88.18 

118.95 

150.45 

52 

29.33 

59.29 

89.92 

121.23 

153.25 

53 

29.92 

60.48 

91.67 

123.51 

156.07 

54 

30.55 

61.69 

93.43 

125.84 

158.92 

55 

31.16 

62.89 

95.22 

128.18 

161.78 

56 

31.79 

64.14 

97.06 

130.56 

164.01 

57 

32.46 

65.43 

98.93 

132.92 

107.42 

58 

33.13 

66.73 

100.76 

135.23 

170.13 

59 

33.81 

68.00 

102.55 

137.47 

172.77 

60 

34.45 

69.22 

104.27 

139.63 

175.29 

61 


35.10 


70.42 


105.97 


141.74 


177.73 


12 


COMB. 

A  ftf 

EXP. 

TERMINAL 

RESERVES 

4-yo 

19  Payment  Life 

Years. 

A^e. 

6 

7 

8 

9 

10 

21 

^9.86 

107.09 

125.03 

143.72 

163.20 

22 

91.98 

109.60 

127.96 

147.09 

167.01 

23 

94.17 

112.21 

130.99 

150.56 

170.95 

24 

96.43 

114.88 

134.11 

154.13 

175.00 

25 

98.74 

117.64 

137.31 

157.81 

179.17 

26 

101.13 

120.47 

140.62 

161.61 

183.48 

27 

103.58 

123.39 

144.02 

165.51 

187.91 

28 

106.11 

126.40 

147.53 

169.55 

192.50 

29 

108.72 

129.50 

151.16 

173.72 

197.24 

30 

111.41 

132.72 

154.92 

178.04 

202.16 

31 

114.21 

136.05 

158.81 

182.53 

207.26 

32 

117.11 

139.51 

162.85 

187.19 

212.56 

33 

120.14 

143.12 

167.08 

192.d5 

218.07 

34 

123.28 

146.88 

171.47 

197.09 

2^.74 

35 

126.57 

150.80 

176.03 

202.28 

229.53 

3C 

130.00 

154.88 

180.74 

207.58 

235.43 

37 

133.60 

159.10 

185.55 

212.98 

241.38 

38 

137.28 

163.38 

190.42 

218.39 

247.34 

39 

141.04 

167.72 

195.29 

223.82 

253.32 

40 

144.81 

172.03 

200.15 

229.22 

259.29 

41 

148.52 

176.28 

204.95 

234.58 

265.20 

42 

152.16 

180.49 

209.72 

239.90 

271.08 

43 

155.71 

184.57 

214.35 

245.08 

276.82 

44 

159.19 

188-61 

218.93 

250.22 

282.51 

45 

162.61 

192.58 

223.44 

255.26 

288.11 

4C 

166.00 

196.50 

227.90 

260.26 

293.65 

47 

169.37 

200.40 

232.34 

265.23 

299.15 

48 

172.73 

204.29 

236.74 

270.15 

304.62 

49 

176.08 

208.16 

241.12 

275.06 

310.04 

50 

179.40 

211.98 

245.47 

279.91  , 

315.39 

51 

182.71 

215.81 

249.80 

284.73 

320.65 

52 

186.04 

219.64 

254.11 

289.47 

325.81 

53 

189.37 

223.45 

258.34 

294.10 

330.80 

54 

192.72 

227.22 

262.51 

298.62 

335.66 

55 

196.01 

230.92 

266.54 

302.98 

340.32 

56 

199.26 

234.52 

270.48 

307.19 

344.77 

57 

202.44 

238.04 

274.27 

311.51 

349.00 

58 

205.51 

241.40 

277.87 

315.00 

352.94 

59 

208.47 

244.61 

281.28 

318.56 

356.61 

60 

211.27 

247.64 

284.46 

321.85 

360.01 

61        213.97        250.52        287.47       324.97       303.18 


13 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4Vb 

19  Payment  Life 

Years. 

A^e. 

11 

12 

13 

14 

15 

21 

183.51 

204.67 

226.74 

249.77 

273.80 

22 

187.78 

209.43 

232.02 

255.57 

280.16 

23 

192.20 

214.36 

237.47 

261.58 

286.75 

24 

190.75 

219.42 

243.08 

267.77 

293.53 

25 

201.44 

224.66 

248.88 

274.16 

300.55 

26 

206.28 

230.06 

254.87 

280.77 

307.82 

27 

211.27 

235.63 

261.05 

287.59 

315.31 

28 

216.43 

241.40 

267.46 

294.67 

323.08 

29 

221.77 

247.36 

274.08 

301.96 

331.04 

30 

227.31 

253.56 

280.94 

309.48 

339.21 

31 

233.06 

259.97 

288.00 

317.18 

347.55 

32 

239.02 

266.56 

295.22 

325.03 

356.01 

33 

245.16 

273.33 

302.61 

333.01 

364.61 

34 

251.44 

280.21 

310.07 

341.08 

373.29 

35 

257.83 

287.17 

317.61 

349.22 

382.06 

36 

264.28 

294.20 

325.22 

357.44 

390.91 

37 

270.80 

301.28 

332.90 

365.73 

399.83 

38 

277.32 

308.38 

340.60 

374.03 

408.78 

39 

283.87 

315.51 

348.32 

382.37 

417.75 

40 

290.40 

322.63 

356.03 

390.70 

426.73 

41 

296.89 

329.69 

363.68 

398.97 

435.66 

42 

303.33 

336.71 

371.31 

407.23 

444.59 

43 

309.63 

343.60 

378.80 

415.34 

453.39 

44 

315.89 

350.43 

386.24 

423.44 

462.17 

45 

322.05 

357.17 

393.59 

431.43 

470.84 

46 

328.14 

363.85 

400.88 

439.35 

479.42 

47 

334.20 

370.48 

408.10 

447.17 

487.88 

48 

340.21 

377.04 

415.20 

454.85 

496.17 

49 

346.16 

383.49 

422.17 

462.36 

504.29 

50 

351.98 

389.78 

428.94 

469.66 

512.15 

51 

357.68 

395.91 

435.54 

476.74 

519.79 

52 

363.23 

401.87 

441.91 

483.57 

527.15 

53 

368.59 

407.59 

448.01 

490.09 

534.16 

54 

373.77 

413.09 

453.85 

496.32 

540.87 

55 

378.69 

418.29 

459.34 

502.17 

547.20 

56 

383.38 

423.20 

464.51 

507.68 

553.15 

57 

387.78 

427.79 

469.35 

512.82 

558.71 

58 

391.86 

432.05 

473.80 

517.54 

563.82 

59 

395.67 

435.97 

477.89 

521.86 

568.50 

60 

399.14 

439.53 

481.55 

525.72 

572.68 

61   _  402,34  442.76  484.85  529.15  576.40 


14 


co^MB.  TERMINAL   RESERVES  4% 


EXP. 

19  Payment  Life 


Years 

A^e. 

16 

17 

18 

19 

21 

298.88 

325.08 

352.44 

381.04 

22 

305.83 

332.64 

360.66 

389.96 

23 

313.03 

340.48 

369.18 

399.18 

24 

320.45 

348.57 

377.97 

408.71 

25 

328.13 

356.95 

387.06 

418.52 

26 

330.08 

365.60 

396.42 

428.57 

27 

344.27 

374.48 

405.99 

438.86 

28 

352.71 

383.60 

415.81 

449.35 

29 

361.33 

392.89 

425.76 

460.02 

30 

370.16 

402.37 

435.91 

470.88 

31 

379.12 

411.99 

446.21 

481.99 

32 

388.22 

421.74 

456.67 

493.11 

33 

397.46 

431.66 

467.29 

504.46 

34 

406.79 

441.66 

478.02 

515.95 

35 

416.21 

451.77 

488.85 

527.57 

36 

425.72 

461.98 

499.79 

539.31 

37 

435.31 

472.27 

510.84 

551.16 

38 

444.92 

482.59 

521.93 

563.10 

39 

454.58 

492.98 

533.10 

575.14 

40 

464.25 

503.39 

544.34 

587.26 

41 

473.88 

513.79 

555.57 

599.43 

42 

483.53 

524.23 

566.87 

611.63 

43 

493.06 

534.55 

578.05 

623.83 

44 

502.59 

544.87 

589.25 

636.00 

45 

511.98 

555.05 

600.31 

648.12 

46 

521.26 

565.12 

611.30 

660.17 

47 

530.42 

575.07 

622.17 

672.12 

48 

539.40 

584.85 

632.88 

683.97 

49 

548.20 

594.44 

643.42 

695.65 

50 

556.72 

603.75 

653.70 

707.19 

51 

565.01 

612.82 

663.78 

718.57 

52 

573.01 

621.62 

673.62 

729.76 

53 

580.65 

630.09 

683.16 

740.77 

54 

587.99 

638.26 

692.46 

751.57 

55 

594.94 

646.05 

701.41 

762.15 

56 

601.50 

653.46 

710.03 

772.51 

57 

607.65 

660.49 

718.32 

782.65 

58 

613.35 

667.06 

726.22 

792.54 

59 

618.60 

673.22 

733.78 

802.20 

60 

623.33 

678.87 

740.89 

811.59 

61  627.60  684.05  747.57  820.74 


15 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

* 

14  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

3 

21 

18.17 

37.13 

56.89 

77.51 

99.03 

22 

18.58 

37.96 

58.17 

79.25 

101.24 

23 

19.00 

38.81 

59.48 

81.03 

103.52 

24 

19.44 

39.70 

60.84 

82.88 

105.87 

25 

19.89 

40.62 

62.23 

84.77 

108.29 

26 

20.35 

41.56 

63.67 

86.73 

110.78 

27 

20.82 

42.52 

65.15 

88.74 

113.34 

28 

21.31 

43.52 

66.66 

90.80 

115.98 

29 

21.81 

44.54 

68.23 

92.93 

118.69 

30 

22.32 

45.59 

69.84 

95.12 

121.49 

31 

22.86 

46.67 

71.50 

97.38 

124.39 

32 

23.40 

47.78 

73.20 

99.71 

127.36 

33 

23.97 

48.94 

74.98 

102.13 

130.46 

34 

24.55 

50.14 

76.81 

104.63 

133.66 

35 

25.16 

51.37 

78.71 

107.23 

136.98 

36 

25.79 

52.67 

80.69 

109.93 

140.45 

37 

26.45 

54.01 

82.75 

112.74 

144.05 

38 

27.13 

55.40 

84.90 

115.68 

147.78 

39 

27.84 

56.87 

87.15 

118.73 

151.62 

40 

28.60 

58.41 

89.49 

121.84 

155.50 

41 

29.38 

59.99 

91.85 

124.97 

159.39 

42 

30.19 

61.58 

94.20 

128.07 

163.20 

43 

30.98 

63.13 

96.50 

131.09 

166.95 

44 

31.74 

64.64 

98.72 

134.03 

170.62 

45 

32.48 

66.09 

100.88 

136.91 

174.25 

46 

33.18 

67.49 

102.99 

139.75 

177.82 

47 

33.88 

68.89 

105.11 

142.58 

181.39 

48 

34.57 

70.29 

107.21 

145.39 

184.92 

49 

35.27 

71.67 

109.28 

148.16 

188.38 

50 

35.96 

73.05 

111.35 

150.91 

191.85 

51 

36.63 

74.40 

113.36 

153.62 

195.24 

52 

37.30 

75.72 

115.36 

156.27 

198.57 

53 

37.95 

77.04 

117.32 

158.89 

201.87 

54 

38.62 

78.35 

119.26 

161.49 

205.13 

55 

39.26 

79.62 

121.19 

164.05 

208.32 

56 

39.89 

80.90 

123.08 

166.56 

211.39 

57 

40.55 

82.18 

124.98 

169.00 

214.37 

58 

41.19 

83.44 

126.77 

171.31 

217.15 

59 

41.82 

84.61 

128.45 

173.44 

219.74 

60 

42.38 

85.68 

129.98 

175.41 

222.09 

61  42.92  86.69  131.41  177.21  224.23 


16 


COMB. 

TERMINAL 

RESERVES 

4.Vb 

EXP. 

A|./vr 

14  Payment  Life 

• 

Years 

Atfe 

6 

7 

8 

9 

10 

21 

121.47 

144.90 

169.35 

194.88 

221.53 

22 

124.18 

148.13 

173.12 

199.20 

226.45 

23 

126.98 

151.46 

177.00 

203.67 

231.52 

24 

129.85 

154.88 

181.00 

208.27 

236.74 

25 

132.81 

158.41 

185.12 

213.01 

242.13 

26 

135.87 

..  162.04 

189.37 

217.90 

247.70 

27 

139.00 

165.78 

'193.74 

222.93 

253.43 

28 

142.24 

169.65 

198.26 

228.14 

259.36 

29 

145.57 

173.62 

202.91 

233.51 

265.48 

30 

149.01 

177.73 

207.72 

.  239.05 

271.79 

31 

152.56 

181.98 

212.70 

244.79 

278.34 

32 

156.22 

186.35 

217.82 

250.71 

285.10 

33 

160.03 

190.90 

223.16 

256.87 

292.10 

34 

163.96 

195.61 

228.67 

263.22 

299.29 

35 

168.05 

200.50 

234.39 

269.76 

306.65 

36 

172.31 

205.57 

240.27 

276.44 

314.15 

37 

176.72 

210.78 

246.27 

283.24 

321.74 

38 

181.25 

216.09 

252.37 

290.11 

329.41 

39 

185.85 

221.47 

258.50 

297.02 

337.14 

40 

190.49 

226.85 

264.64 

303.96 

344.91 

41 

195.11 

232.21 

270.78 

310.91 

352.71 

42 

199.66 

237.53 

276.89 

317.84 

360.50 

43 

204.15 

242.79 

282.95 

324.74 

368.27 

44 

208.59 

248.00 

288.97 

331.60 

376.01 

45 

212.97 

253.17 

294.94 

338.40 

383.72 

46 

217.30 

258.27 

300.84 

345.16 

391.37 

47 

221.61 

263.34 

306.73 

351.90 

399.01 

48 

225.87 

268.38 

312.56 

358.56 

406.60 

49 

230.07 

273.33 

318.30 

365.16 

414.10 

50 

234.25 

278.25 

324.02 

371.73 

421.58 

51 

238.35 

283.10 

329.65 

378.19 

428.91 

52 

242.39 

287.88 

335.19 

384.51 

436.08 

53 

246.38 

292.57 

340.59 

390.67 

443.06 

54 

250.30 

297.15 

345.85 

396.64 

449.84 

55 

254.10 

301.56 

350.90 

402.39 

456.37 

56 

257.74 

305.76 

355.71 

407.86 

462.58 

57 

261.23 

309.79 

360.29 

413.06 

468.50 

58 

264.50 

313.54 

364.56 

417.91 

474.04 

59 

267.51 

316.98 

368.48 

422.37 

479.17 

60 

270.23 

320.10 

372.00 

426.40 

483.87 

61       272.69       322.87        375.16       430.04      488.13 


17 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

14  Payment  Life 

Years 

A^e 

11 

12 

13 

14 

21 

249.37 

278.45 

308.83 

340.60 

22 

254.90 

284.62 

315.69 

348.17 

23 

260.61 

291.01 

322.78 

355.99 

24 

266.50 

297.58 

330.08 

364.07 

25 

272.56 

304.37 

337.63 

372.41 

26 

278.84 

311.39 

345.43 

381.04 

27 

285.30 

318.63 

353.48 

389.96 

28 

291.99 

326.11 

361.82 

399.18 

29 

298.89 

333.85 

370.43 

408.71 

30 

306.03 

341.85 

379.32 

418.52 

31 

313.43 

350.13 

388.49 

428.57 

32 

321.05 

358.61 

397.85 

438.86 

33 

328.91 

367.33 

407.46 

449.35 

34 

336.93 

376.21 

417.20 

460.02 

35 

345.13 

385.25 

427.13 

470.88 

36 

353.45 

394.42 

437.20 

481.91 

37 

361.86 

403.71 

447.41 

493.11 

38 

370.37 

413.11 

457.75 

504.46 

39 

378.96 

422.60 

468.21 

515.95 

40 

387.61 

432.18 

478.77 

527.57 

41 

396.30 

441.81 

489.41 

539.31 

42 

404.99 

451.47 

500.12 

551.16 

43 

413.68 

461.16 

510.89 

563.10 

44 

422.37 

470.87 

521.70 

575.14 

45 

431.04 

480.57 

532.55 

587.26 

46 

439.66 

490.26 

543.42 

599.43 

47 

448.29 

499.97 

554.31 

611.63 

48 

456.87 

509.63 

565.16 

623.83 

49 

465.36 

519.19 

575.92 

636.00 

50 

473.80 

528.71 

586.66 

648.12 

51 

482.09 

538.06 

597.26 

660.17 

52 

490.20 

547.25 

607.70 

672.12 

53 

498.11 

556.24 

617.97 

683.97 

54 

505.81 

565.02 

628.06 

695.65 

55 

513.24 

573.53 

637.91 

707.19 

56 

520.34 

581.72 

647.47 

718.57 

57 

527.13 

589.61 

656.80 

729.76 

58 

533.54 

597.16 

665.84' 

740.77 

59 

539.55 

604.32 

674.54 

751.57 

60 

545.11 

611.06 

682.88 

762.15 

61  550.23  617.36  690.87  772.51 


18 


COMB. 
EXP. 

1 

TERMINAL 

RESERVES 

4% 

9  Payment  Life 

Years 

Aie 

1 

2 

3 

4 

5 

21 

28.33 

57.93 

88.85 

121.16 

154.94 

22 

28.93 

59.15 

90.72 

123.72 

158.21 

23 

29.54 

60.40 

92.65 

126.35 

161.57 

24 

30.18 

61.70 

94.64 

129.07 

165.03 

25 

30.84 

63.04 

96.70 

131.87 

168.63 

26 

31.51 

64.42 

98.81 

134.75 

172.31 

27 

32.21 

65.84 

100.99 

137.72 

176.12 

28 

32.92 

67.31 

103.24 

140.78 

180.03 

29 

33.66 

68.82 

105.55 

143.94 

184.08 

30 

34.42 

70.37 

107.93 

147.19 

188.25 

31 

35.20 

71.97 

110.39 

150.55 

192.55 

32 

36.00 

73.61 

112.92 

154.01 

196.99 

33 

36.83 

75.32 

115.54 

157.59 

201.58 

34 

37.69 

77.05 

118.22 

161.27 

206.30 

35 

38.57 

78.88 

121.03 

165.10 

211.22 

36 

39.49 

80.77 

123.92 

169.06 

216.30 

37 

40.44 

82.70 

126.90 

173.15 

221.55 

38 

41.42 

84.71 

130.00 

177.38 

226.97 

39 

42.44 

86.81 

133.22 

181.77 

232.55 

40 

43.50 

88.99 

136.55 

186.27 

238.22 

41 

44.60 

91.23 

139.94 

190.82 

243.96 

42 

45.74 

93.50 

143.35 

195.39 

249.70 

43 

46.86 

95.74 

146.74 

199.92 

255.44 

44 

47.97 

97.97 

150.08 

204.43 

261.17 

45 

49.06 

100.15 

153.39 

208.92 

266.91 

46 

50.11 

102.29 

156.67 

213.40 

272.65 

47 

51.17 

104.44 

159.96 

217.88 

278.40 

48 

52.22 

106.58 

163.24 

222.37 

284.15 

49 

53.27 

108.73 

166.52 

226.84 

289.88 

50 

54.31 

110.85 

169.77 

231.27 

295.60 

51 

55.34 

112.94 

172.97 

235.67 

301.26 

52 

56.35 

115.00 

176.15 

240.01 

306.87 

53 

57.34 

117.03 

179.27 

244.30 

312.44 

54 

58.33 

119.03 

182.34 

248.55 

317.95 

55 

59.28 

120.98 

185.37 

252.72 

323.38 

56 

60.20 

122.90 

188.34 

256.82 

328.67 

57 

61.14 

124.80 

191.25 

260.79 

333.80 

58 

62.03 

126.62 

194.02 

264.58 

338.72 

59 

62.89 

128.33 

196.63 

268.16 

343.40 

60 

63.66 

129.90 

199.04 

271.50 

347.81 

61  64.38  131.35  201.27  274.60  351.91 


19 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

9  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

21 

190.25 

227.17 

265.78 

306.17 

22 

194.26 

231.96 

271.39 

312.62 

23 

198.39 

236.89 

277.16 

319.29 

24 

202.65 

241.98 

283.12 

326.17 

25 

207.05 

247.24 

289.28 

333.27 

26 

211.59 

252.66 

295.63 

340.60 

27 

216.26 

258.25 

302.19 

348.17 

28 

221.08 

264.02 

308.95 

355.99 

29 

226.06 

269.97 

315.94 

364.07 

30 

231.19 

276.12 

323.16 

372.41 

31     . 

236.48 

282.47 

330.61 

381.04 

32 

241.96 

289.03 

338.31 

389.96 

33 

247.61 

295.80 

346.28 

399.18 

34 

253.43 

302.79 

354.50 

408.71 

35 

259.50 

310.06 

363.03 

418.52 

36 

265.76 

317.56 

371.79 

428.57 

37 

272.22 

325.25 

380.75 

438.86 

38 

278.85 

333.12 

389.90 

449.35 

39 

285.63 

341.15 

399.22 

460.02 

40 

292.52 

349.28 

408.67 

470.88 

41 

299.47 

357.50 

418.25 

481.91 

42 

306.44 

365.79 

427.93 

493.11 

43 

313.45 

374.15 

437.73 

504.46 

44 

320.48 

382.56 

447.63 

515.95 

45 

327.54 

391.03 

457.61 

527.57 

46 

334.62 

399.53 

467.66 

539.31 

47 

341.71 

408.07 

477.78 

551.16 

48 

348.81 

416.65 

487.95 

563.10 

49 

355.92 

425.24 

498.17 

575.14 

50 

363.01 

433.82 

508.43 

587.26 

51 

370.05 

442.40 

518.70 

599.43 

52 

377.06 

450.94 

528.96 

611.63 

53 

384.02 

459.45 

539.19 

623.83 

54 

390.92 

467.88 

549.35 

636.00 

55 

397.70 

476.18 

559.41 

648.12 

56 

404.32 

484.33 

569.34 

660.17 

57 

410.77 

492.29 

579.11 

672.12 

58 

416.99 

500.04 

588.69 

683.97 

59 

422.94 

507.52 

598.04 

695.65 

60 

428.60 

514.70 

607.13 

707.19 

61  433.93  521.56  615.95.  718.57 


20 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

19  Year  Endowiuent 

Years 

A^e 

1 

2 

3 

4 

5 

21 

33.87 

69.27 

106.27 

144.96 

185.42 

22 

33.86 

69.25 

106.24 

144.91 

185.36 

23 

33.85 

69.23 

106.20 

144.86 

185.29 

24 

33.84 

69.21 

106.16 

144.80 

185.21 

25 

33.83 

69.18 

106.12 

144.74 

185.12 

26 

33.82 

69.15 

106.07 

144.67 

185.02 

27 

33.81 

69.12 

106.02 

144.59 

184.92 

28 

33.79 

69.08 

105.97 

144.51 

184.82 

29 

33.77 

69.05 

105.91 

144.43 

184.71 

30 

33.76 

"69.02 

105.86 

144.36 

184.62 

31 

33.75 

68.99 

105.82 

144.30 

184.54 

32 

33.74 

68.97 

105.78 

144.25 

184.48 

33 

33.73 

68.97 

105.76 

144.24 

184.46 

34 

33.74 

68.98 

105.78 

144.26 

184.49 

35 

33.76 

69.01 

105.83 

144.33 

184.58 

36 

33.79 

69.08 

105.93 

144.46 

184.75 

37 

33.84 

69.17 

106.08 

144.66 

185.01 

38 

33.91 

69.30 

106.29 

144.94 

185.34 

39 

34.00 

69.49 

106.57 

145.29 

185.72 

40 

34.12 

69.73 

106.91 

145.70 

186.13 

41 

34.26 

70.01 

107.28 

146.07 

186.49 

42 

34.42 

70.27 

107.60 

146.42 

186.77 

43 

34.56 

70.50 

107.86 

146.63 

186.95 

44 

34.68 

70.68 

108.04 

146.79 

187.05 

45 

34.78 

70.81 

108.16 

146.89 

187.10 

46 

34.86 

70.89 

108.25 

146.96 

187.11 

47 

34.92 

71.00 

108.35 

147.04 

187.14 

48 

34.98 

71.10 

108.47 

147.13 

187.17 

49 

35.06 

71.23 

108.61 

147.24 

187.22 

50 

35.15 

71.38 

108.77 

147.37 

187.29 

51 

35.25 

71.54 

108.95 

147.53 

187.39 

52 

35.36 

71.72 

109.16 

147.73 

187.54 

53 

35.49 

71.94 

109.42 

147.99 

187.76 

54 

35.64 

72.20 

109.74 

148.33 

188.08 

55 

35.81 

72.50 

110.13 

148.75 

188.48 

56 

36.01 

72.86 

110.60 

149.27 

188.95 

57 

36.26 

73.29 

111.17 

149.86 

189.46 

58 

36.54 

73.78 

111.76 

150.48 

189.99 

59 

36.85 

74.09 

112.34 

151.09 

190.53 

60 

37.13 

74.77 

112.96      • 

151.71 

191.08 

61        37.44        75.29        113.59       152.36       191.65 


21 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

19  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

10 

21 

227.74 

272.02 

318.35 

366.84 

417.60 

22 

227.66 

271.91 

318.22 

366.69 

417.43 

23 

227.57 

271.79 

318.08 

366.52 

417.24 

24 

227.46 

271.66 

317.93 

366.35 

417.04 

25 

227.35 

271.52 

317.76 

366.16 

416.83 

26 

227.23 

271.37 

317.58 

365.96 

416.61 

27 

227.10 

271.21 

317.40 

365.74 

416.38 

28 

226.97 

271.05 

317.22 

365.54 

416.15 

29 

226.83 

270.89 

317.04 

365.33 

415.93 

30 

226.71 

270.75 

316.88 

365.15 

415.74 

31 

226.62 

270.64 

316.75 

365.01 

415.60 

32 

226.56 

270.57 

316.67 

364.93 

415.52 

33 

226.54 

270.55 

316.65 

364.92 

415.50 

34 

226.58 

270.60 

316.71 

364.99 

415.54 

35 

226.69 

270.74 

316.85 

365.12 

415.62 

36 

226.89 

270.96 

317.06 

365.29 

415.73 

37 

227.17 

271.25 

317.31 

365.48 

415.80 

38 

227.51 

271.59 

317.58 

365.63 

415.83 

39 

227.92 

271.91 

317.81 

365.74 

415.81 

40 

228.28 

272.18 

317.98 

365.79 

415.73 

41 

228.57 

272.38 

318.08 

365.76 

415.57 

42 

228.77 

272.49 

318.08 

365.63 

415.31 

43 

228.87 

272.50 

317.98 

365.39 

414.94 

44 

228.89 

272.42 

317.78 

365.05 

414.46 

45 

228.85 

272.28 

317.51 

364.63 

413.89 

46 

228.78 

272.10 

317.18 

364.16 

413.25 

47 

228.72 

271.90 

316.87 

363.67 

412.58 

48 

228.65 

271.72 

316.53 

363.16 

411.92 

49 

228.60 

271.55 

316.21 

362.69 

411.27 

50 

228.58 

271.40 

315.91 

362.24 

410.60 

51 

228.60 

271.30 

315.65 

361.80 

409.92 

52 

228.67 

271.26 

315.44 

361.36 

409.22 

53 

228.82 

271.29 

315.26 

360.92 

408.49 

54 

229.05 

271.37 

315.11 

360.49 

407.74 

55 

229.34 

271.47 

314.97 

360.04 

406.94 

56 

229.68 

271.60 

314.83 

359.57 

406.07 

57 

230.05 

271.75 

314.68 

359.06 

405.13 

58 

230.44 

271.89 

314.50 

358.50 

404.12 

59 

230.81 

272.01 

314.28 

357.87 

403.02 

60 

231.18 

272.11 

314.03 

357.19 

401.85 

61        231.57        272.21        313.75       356.48       400.64 


22 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

19  Year  Endowmenl 

Years 

A^e 

11 

12 

13 

14 

21 

470.76 

526.44 

584.79 

645.95 

22 

470.57 

526.24 

584.58 

645.75 

23 

470.37 

526.02 

584.36 

645.53 

24 

470.15 

525.78 

584.12 

645.29 

25 

469.92 

1 

525.54 

583.87 

645.04 

26 

469.68 

525.29 

583.61 

644.79 

27 

469.43 

525.02 

583.35 

644.54 

28 

469.19 

524.78 

583.11 

644.31 

29 

468.97 

524.56 

582.89 

644.09 

30 

468.78 

524.37 

582.69 

643.89 

31 

468.63 

524.22 

582.52 

643.69 

32 

468.54 

524.11 

582.38 

643.50 

33 

468.50 

524.02 

582.23 

643.29 

34 

468.49 

523.95 

582.07 

643.06 

35 

468.49 

52S.86 

581.89 

642.80 

36 

468.48 

523.74 

581.68 

642.51 

37 

468.44 

523.59 

581.42 

642.17 

38 

468.85 

523.39 

581.11 

641.78 

39 

468.20 

523.13 

580.74 

641.32 

40 

468.01 

522.80 

580.29 

640.78 

41 

467.71 

522.37 

579.74 

640.14 

42 

467.28 

521.82 

579.07 

639.36 

43 

466.76 

521.15 

578.28 

638.48 

44 

466.13 

520.37 

577.38 

637.51 

45 

465.41 

519.50 

576.39 

636.42 

46 

464.63 

518.56 

575.33 

635.26 

47 

463.81 

517.58 

574.20 

634.02 

48 

462.96 

516.55 

573.00 

632.68 

49 

462.09 

515.47 

571.72 

631.24 

50 

461.22 

514.35 

570.35 

629.69 

51 

460.27 

513.12 

568.89 

628.03 

52 

459.26 

511.84 

567.32 

626.24 

53 

458.22 

510.47 

565.63 

624.29 

54 

457.11 

509.00 

563.82 

622.17 

55 

455.92 

507.41 

561.86 

619.87 

56 

454.63 

505.68 

559.72 

617.39 

57 

453.24 

503.82 

557.43 

614.76 

58 

451.74 

501.83 

554.97 

611.88 

59 

450.13 

499.71 

552.34 

608.83 

60 

448.43 

497.46 

549.55 

605.57 

61  446.66  495.10  546.61  602.10 


23 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

19  Year  Endowment 

Years 

Aie 

15 

16 

17 

18 

21 

710.09 

777.38 

847.99 

922.13 

22 

709.90 

777.21 

847.86 

922.05 

23 

709.69 

777.02 

847.71 

921.97 

24 

709.46 

776.82 

847.56 

921.88 

25 

709.23 

776.62 

847.41 

921.79 

26 

709.00 

776.42 

847.26 

921.70 

27 

708.77 

776.21 

847.09 

921.59 

28 

708.55 

776.02 

846.93 

921.50 

29 

708.33 

775.81 

846.76 

921.38 

30 

708.13 

775.61 

846.57 

921.26 

31 

707.91 

775.38 

846.36 

921.12 

32 

707.68 

775.13 

846.14 

920.97 

33 

707.42 

774.86 

845.89 

920.80 

34 

707.14 

774.56 

845.62 

920.63 

35 

706.83 

774.24 

845.33 

920.45 

36 

706.49 

773.89 

845.01 

920.25 

37 

706.10 

773.49 

844.65 

920.01 

38 

705.64 

773.02 

844.23 

919.74 

39 

705.12 

772.48 

843.77 

919.44 

40 

704.52 

771.86 

843.25 

919.11 

41 

703.83 

771.18 

842.68 

918.75 

42 

703.03 

770.42 

842.00 

918.34 

43 

702.12 

769.56 

841.27 

917.87 

44 

701.10 

768.58 

840.47 

917.34 

45 

699.98 

767.50 

839.54 

916.76 

46 

698.77 

766.33 

838.54 

916.13 

47 

697.46 

765.06 

837.45 

915.44 

48 

696.04 

763.67 

836.26 

914.68 

49 

694.51 

762.17 

834.97 

913.86 

50 

692.86 

760.54 

833.56 

912.96 

51 

691.08 

758.77 

832.02 

911.97 

52 

689.14 

756.85 

830.35 

910.89 

53 

687.03 

754.76 

828.53 

909.70 

54 

684.74 

752.49 

826.55 

908.41 

55 

682.27 

750.01 

824.39 

907.02 

56 

679.59 

747.35 

822.02 

905.49 

57 

676.69 

744.42 

819.45 

903.81 

58 

673.57 

741.29 

816.70 

901.97 

59 

670.22 

737.90 

813.68 

899.95 

60 

666.63 

734.24 

810.39 

897.75 

61  662.81  730.31  806.85  895.35 


24 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

14  Year  Endowment 

Years 

Atfe 

1 

2 

3 

4 

5 

21 

52.07 

106.54 

163.53 

,223.17 

285.61 

22 

52.05 

106.50 

163.47 

223.09 

285.51 

23 

52.03 

106.46 

163.40 

223.00 

285.40 

24 

52.01 

106.41 

163.33 

222.91 

285.28 

25 

51.99 

106.36 

163.26 

222.81 

285.15 

26 

51.96 

106.31 

163.18 

222.70 

285.01 

27 

51.93 

106.25 

163.09 

222.58 

284.86 

28 

51.90 

106.19 

162.99 

222.45 

284.70 

29 

51.86 

106.12 

162.88 

222.31 

284.53 

30 

51.82 

106.04 

162.77 

222.16 

284.35 

31 

51.78 

105.96 

162.65 

222.00 

284.16 

32 

51.74 

105.88 

162.53 

221.84 

283.96 

33 

51.70 

105.80 

162.41 

221.69 

283.77 

34 

51.66 

105.72 

162.30 

221.55 

283.60 

35 

51.63 

105.65 

162.21 

221.43 

283.46 

36 

51.61 

105.60 

162.14 

221.34 

283.36 

37 

51.59 

105.57 

162.10 

221.29 

283.31 

38 

51.59 

105.56 

162.10 

221.29 

283.30 

39 

51.61 

105.59 

162.14 

221.34 

283.31 

40 

51.64 

105.66 

162.22 

221.42 

283.35 

41 

51.69 

105.77 

162.32 

221.46 

283.32 

42 

51.75 

105.84 

162.37 

221.44 

283.19 

43 

51.78 

105.87 

162.34 

221.32 

282.94 

44 

51.79 

105.84 

162.21 

221.08 

282.58 

45 

51.77 

105.74 

162.00 

220.75 

282.12 

46 

51.72 

105.59 

161.74 

220.36 

281.58 

47 

51.65 

105.42 

161.45 

219.93 

281.04 

48 

51.56 

105.23 

161.13 

219.47 

280.37 

49 

51.47 

105.03 

160.79 

218.96 

279.70 

50 

51.37 

104.81 

160.42 

218.41 

278.98 

51 

51.27 

104.57 

160.02 

217.82 

278.20 

52 

51.16 

104.31 

159.60 

217.20 

277.38 

53 

51.05 

104.05 

159.16 

216.56 

270.54 

54 

50.93 

103.78 

158.70 

215.92 

275.68 

55 

50.81 

103.52 

158.25 

215.28 

274.79 

56 

50.70 

103.28 

157.83 

214.63 

273.86 

57 

50.61 

103.06 

157.45 

213.95 

272.86 

58 

50.54 

102.82 

157.00 

213.20 

271.76 

59 

50.45 

102.56 

156.46 

212.35 

270.53 

60 

50.34 

102.26 

155.85 

211.41 

269.17 

61         50.21        101.91        155.20       210.38       267.69 


26 


COMB. 
EXP, 

TERMINAL   RESERVES 

4% 

14  Year  Endowment 

Years 

A|(e 

6 

7 

8 

0 

21 

350.97 

419.42 

491.11 

566.22 

22 

350.85 

419.29 

490.97 

566.08 

23 

350.72 

419.15 

490.81 

565.93 

24 

350.58 

419.00 

490.64 

565.76 

25 

350.43 

418.83 

490.46 

565.57 

26 

350.27 

418.65 

490.26 

565.37 

27 

350.10 

418.46 

490.05 

565.15 

28 

349.91 

418.25 

489.83 

564.92 

29 

349.71 

418.02 

489.59 

564.67 

30 

349.50 

417.78 

• 

489.34 

564.41 

31 

349.28 

417.53 

489.08 

564.15 

32 

349.06 

417.28 

488.83 

563.90 

33 

348.85 

417.05 

488.60 

563.67 

34 

348.66 

416.85 

488.39 

563.46 

35 

348.48 

416.69 

488.21 

563.26 

36 

348.39 

416.56 

488.05 

563.07 

37 

348.32 

416.45 

487.91 

562.86 

38 

348.27 

416.36 

487.74 

562.62 

39 

348.25 

416.25 

487.53 

562.32 

40 

348.18 

416.08 

487.25 

561.95 

41 

348.03 

415.82 

486.89 

561.49 

42 

347.78 

415.44 

486.42 

560.93 

43 

347.41 

414.94 

485.83 

560.27 

44 

346.93 

414.34 

485.13 

559.50 

45 

346.35 

413.64 

484.32 

558.61 

46 

345.68 

412.84 

483.41 

557.62 

47 

344.98 

412.00 

482.41 

556.54 

48 

344.15 

411.01 

481.32 

555.37 

49 

343.31 

409.99 

480.15 

554.11 

50 

342.40 

408.91 

478.91 

552.76 

51 

341.40 

407.76 

477.59 

551.31 

52 

340.40 

406.54 

476.19 

549.76 

53 

339.33 

405.25 

474.70 

548.10 

54 

338.23 

403.89 

473.10 

546.30 

55 

337.08 

402.44 

471.37 

544.36 

56 

335.81 

400.87 

469.50 

542.25 

57 

334.47 

399.16 

467.47 

539.94 

58 

332.99 

397.28 

465.24 

537.40 

59 

331.38 

395.25 

462.78 

534.61 

60 

329.55 

392.97 

460.07 

531.56 

61  327.57  390.51  457.13  528.27 


26 


COMB.  TERMINAL  RESERVES  4-% 


14  Year  Endowment 


Years 


Atfe 

10 

11 

12 

13 

21 

644.95 

727.46 

813.99 

904.76 

22 

644.80 

727.34 

813.88 

904.71 

23 

644.64 

727.20 

813.77 

904.65 

24 

644.47 

727.04 

813.65 

904.58 

25 

644.29 

726.87 

813.52 

904.50 

26 

644.09 

726.69 

813.38 

904.41 

27 

643.88 

726.50 

813.23 

904.32 

28 

643.65 

726.30 

813.08 

904.23 

29 

643.41 

726.09 

812.92 

904.13 

30 

643.16 

72^88 

812.75 

904.02 

31 

642.92 

725.67 

812.58 

903.91 

32 

642.69 

725.46 

812.40 

903.80 

33 

642.47 

725.25 

812.22 

903.69 

34 

642.26 

725.03 

812.03 

903.57 

35 

642.04 

724.80 

811.83 

903.43 

36 

641.80 

724.55 

811.61 

903.28 

37 

641.55 

724.27 

811.35 

903.10 

38 

641.23 

723.94 

811.05 

902.90 

39 

640.88 

723.58 

810.71 

902.68 

40 

640.47 

723.15 

810.33 

902.43 

41 

639.96 

722.64 

809.89 

902.15 

42 

639.37 

722.05 

809.39 

901.84 

43 

638.66 

721.37 

808.81 

901.49 

44 

€37.84 

720.60 

808.16 

901.09 

45 

636.92 

719.73 

807.43 

900.64 

46 

635.90 

718.76 

806.59 

900.13 

47 

634.82 

717.69 

805.73 

899.57 

48 

633.60 

716.54 

804.77 

898.97 

49 

632.32 

715.31 

803.73 

898.32 

50 

630.93 

713.98 

802.61 

897.61 

51 

629.41 

712.53 

801.38 

896.83 

52 

627.79 

710.96 

800.03 

895.97 

53 

626.03 

709.26 

798.56 

895.03 

54 

624.15 

707.40 

796.96 

894.01 

55 

622.07 

705.37 

795.22 

892.90 

56 

619.83 

703.16 

793.32 

891.69 

57 

617.38 

700.74 

791.20 

890.33 

58 

614.68 

698.07 

788.90 

888.86 

59 

611.68 

695.13 

786.38 

887.22 

60 

608.45 

691.93 

783.59 

885.42 

61  604.93  688.48  780.59  883.47 


27 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

9  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

21 

91.66 

187.62 

288.10 

393.32 

22 

91.63 

187.56 

288.02 

393.23 

23 

91.60 

187.50 

287.94 

393.13 

24 

91.57 

187.44 

287.86 

393.03 

25 

91.54 

187.38 

287.77 

392.92 

26 

91.50 

187.31 

287.67 

392.81 

27 

91.46 

187.24 

287.57 

392.69 

28       - 

91.42 

187.16 

287.45 

392.55 

29 

91.37 

187.07 

287.33 

392.40 

30 

91.32 

186.98 

287.20 

392.24 

ai 

91.27 

186.88 

287.06 

392.08 

32 

91.21 

186.77 

286.92 

391.91 

33 

91.15 

186.66 

286.77 

391.73 

34 

91.09 

186.55 

286.61 

391.54 

35 

91.02 

186.43 

286.44 

391.34 

36 

90.96 

186.31 

286.27 

391.14 

37 

90.90 

186.19 

286.11 

390.95 

38 

90.84 

186.08 

285.97 

390.78 

39 

90.79 

185.99 

285.85 

390.62 

40 

90.75 

•       185.92 

285  76 

390.48 

41 

90.72 

185.87 

285.64 

390.30 

42 

90.70 

185.79 

285.48 

390.06 

43 

90.66 

185.66 

285.25 

389.73 

44 

90.59 

185.47 

284.93 

389.29 

45 

90.47 

185.20 

284.52 

388.76 

46 

90.31 

184.87 

284.04 

388.16 

47 

90.12 

184.50 

283.51 

387.50 

48 

89.91 

184.10 

282.94 

386.78 

49 

89.69 

183.68 

282.32 

386.00 

50 

89.45 

183.23 

281.65 

385.15 

51 

89.19 

182.73 

280.91 

384.21 

52 

88.91 

182.17 

280.09 

383.21 

53 

88.61 

181.56 

279.21 

382.10 

54 

88.29 

180.90 

278.27 

380.94 

55 

87.94 

180.20 

277.27 

379.71 

56 

87.57 

179.47 

276.22 

378.38 

57 

87.18 

178.71 

275.10 

376.94 

58 

86.77 

177.90 

273.88 

375.37 

59 

86.36 

177.02 

272.54 

373.64 

60 

85.85 

176.01 

271.06 

371.70 

61  85.32  174.92  269.42  369.62 


28 


COMB. 

TE 

IRMINAL   RESEB 

^VES 

A^TO 

EXP. 

9  Year  Endowment 

L     V       m    J>>^F 

mma  /v^ 

Years 

Atfe 

5 

6 

7 

8 

21 

503.56 

619.05 

740.09 

866.98 

22 

503.46 

618.95 

740.01 

866.92 

23 

503.35 

618.85 

739.92 

866.86 

24 

503.24 

618.74 

739.83 

866.80 

25 

503.12 

618.62 

739.73 

866.74 

26 

503.00 

618.50 

739.63 

866.68 

27 

502.87 

618.37 

739.52 

866.62 

28 

502.72 

618.22 

739.39 

866.54 

29 

502.56 

618.07 

739.26 

866.45 

30 

502.39 

617.91 

739.12 

866.36 

31 

502.21 

617.74 

738.98 

866.27 

32 

502.02 

617.56 

738.83 

866.18 

33 

501.83 

617.37 

738.67 

866.08 

34 

501.63 

617.17 

738.51 

865.98 

35 

501.42 

616.97 

738.35 

865.88 

36 

501.21 

616.77 

738.18 

865.78 

37 

501.01 

616.58 

738.01 

865.67 

38 

500.82 

616.38 

737.82 

865.54 

39 

500.63 

616.16 

737.61 

865.39 

40 

500.42 

615.91 

737.37 

865.22 

41 

500.19 

615.62 

737.08 

865.02 

42 

499.85 

615.26 

736.73 

864.79 

43 

499.44 

614.81 

736.33 

864.52 

44 

498.93 

614.28 

735.86 

864.21 

45 

498.33 

613.67 

735.33 

863.86 

46 

497.65 

612.99 

734.73 

863.47 

47 

496.91 

612.24 

734.07 

863.04 

48 

496.11 

611.42 

733.35 

862.58 

49 

495.23 

610.52 

732.57 

862.08 

50 

494.26 

609.55 

731.72 

861.56 

51 

493.20 

608.49 

730.80 

860.94 

52 

492.06 

607.34 

729.80 

860.30 

53 

490.84 

606.09 

728.71 

859.60 

54 

489.53 

604.75 

727.52 

858.83 

55 

488.12 

603.30 

726.23 

857.99 

56 

486.60 

601.72 

724.82 

857.07 

57 

484.95 

600.02 

723.28 

856.06 

58 

483.14 

598.11 

721.58 

854.94 

59 

481.13 

596.03 

719.70 

853.70 

60 

478.90 

593.74 

717.63 

852.32 

61  476.45  591.21  715.35  850.84 


29 


COMB. 

A  OL 

EXP. 

TERMINAL 

RESERVES 

4a> 

20  Year  Mortuary  Additions 

Years 

A||e. 

1 

2 

3 

4 

5 

20 

71.63 

139.17 

202.26 

260.46 

313.35 

21 

73.03 

141.94 

206.35 

265.85 

319.99 

22 

74.50 

144.85 

210.66 

271.52 

326.94 

23 

76.04 

147.92 

215.23 

277.52 

334.29 

24 

77.72 

151.25 

220.17 

284.01 

342.25 

25 

79.57 

154.93 

225.63 

291.20 

351.10 

26 

81.63 

159.02 

231.71 

299.23 

360.98 

27 

83.95 

163.64 

238.62 

308.34 

372.26 

28 

86.55 

168.85 

246.39 

318.66 

385.02 

29 

89.48 

174.69 

255.14 

330.26 

399.45 

30 

92.73 

181.22 

264.92 

343.28 

415.70 

31 

96.36 

188.48 

275.84 

357.86 

433.88 

32 

100.38 

196.56 

288.01 

374.11 

454.21 

33 

104.84 

205.54 

301.52 

392.19 

476.89 

34 

109.77 

215.46 

316.50 

412.27 

502.07 

35 

115.19 

226.38 

333.00 

434.40 

529.89 

36 

121.14 

238.39 

351.16 

458.80 

560.62 

37 

127.66 

251.55 

371.08 

485.62 

594.41 

38 

134.75 

265.89 

392.84 

514.89 

631.22 

39 

142.47 

281.52 

416.53 

546.74 

671.06 

40 

150.86 

298.49 

442.23 

581.11 

713.87 

41 

159.97 

316.92 

470.02 

618.14 

759.98 

42 

169.83 

336.79 

499.89 

657.95 

809.34 

43 

180.46 

358.16 

532.03 

700.64 

862.43 

44 

191.88 

381.12 

566.46 

746.48 

919.48 

45 

204.16 

405.73 

603.45 

795.77 

980.94 

46 

217.30 

432.15 

643.17 

848.78 

1047.07 

47 

281.39 

460.46 

685.80 

905.68 

1118.09 

48 

246.46 

490.79 

731.46 

966.66 

1194.24 

49 

262.53 

523.13 

780.19 

1031.77 

1275.57 

50 

279.60 

557.49 

831.97 

1100.98 

1362.19 

51 

297.68 

593.89 

886.85 

1174.46 

1454.16 

52 

316.75 

632.32 

944.87 

1252.15 

1551.49 

53 

336.81 

672.78 

1005.96 

1334.01 

1654.28 

54 

357.83 

715.18 

1070.03 

1420.04 

1762.30 

55 

379.76 

759.46 

1137.06 

1510.05 

1875.38 

56 

402.55 

805.54 

1206.82 

1603.77 

1993.08 

57 

426.13 

853.21 

1279.02 

1700.73 

2114.96 

58 

450.40 

902.31 

1353.35 

1800.66 

2240.69 

59 

475.26 

952.58 

1429.55 

1903.19 

2369.87 

60 

500.54 

1003.75 

1507.17 

2007.75 

2501.76 

30 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4*^ 

20  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

10 

20 

360.47 

401.25 

435.13 

461.44 

479.52 

21 

368.24 

410.07 

444.84 

471.93 

490.56 

22 

376.39 

419.29 

455.03 

482.88 

502.13 

23 

384.99 

429.05 

465.77 

494.47 

514.32 

24 

394.34 

439.63 

477.48 

507.08 

527.67 

25 

404.72 

451.46 

490.56 

521.29 

542.85 

26 

416.39 

464.75 

505.37 

537.48 

560.17 

27 

429.72 

480.04 

522.51 

556.27 

580.46 

28 

444.87 

497.51 

542.13 

577.92 

604.00 

29 

462.07 

517.36 

564.54 

602.78 

631.09 

30 

481.44 

539.80 

589.99 

631.06 

662.07 

31 

503.21 

565.11 

618.70 

663.10 

697.35 

32 

527.61 

593.50 

651.04 

699.32 

737.25 

33 

554.84 

625.28 

687.34 

740.01 

782.02 

34 

585.17 

660.76 

727.89 

785.39 

831.52 

35 

618.73 

700.03 

772.71 

835.15 

885.35 

36 

655.81 

743.36 

821.80 

889.27 

943.72 

37 

696.52 

790.62 

875.01 

947.79 

1006.34 

38 

740.61 

841.52 

932.20 

1010.23 

1073.31 

39 

788.09 

896.24 

993.29 

1077.10 

1145.07 

40 

839.06 

954.66 

1058.69 

1148.73 

1222.13 

41 

893.70 

1017.48 

1129.08 

1226.04 

1305.38 

42 

952.37 

1084.99 

1204.92 

1309.41 

1395.26 

43 

1015.53 

1157.85 

1286.84 

1399.57 

1492.56 

44 

1083.55 

1236.35 

1375.20 

1496.89 

1597.67 

45 

1156.86 

1321.04 

1470.58 

1602.03 

1711.62 

46 

1235.79 

1412.29 

1573.43 

1715.73 

1834.81 

47 

1320.61 

1510.39 

1684.28 

1838.27 

1967.82 

48 

1411.60 

1615.89 

1803.48 

1970.25 

2111.59 

49 

1509.00 

1728.80 

1931.25 

2112.16 

2260.23 

50 

1612.72 

1849.19 

2067.84 

2263.91 

2431.77 

51 

1722.96 

1977.48 

2213.45 

2425.82 

2608.17 

52 

1839.90 

2113.58 

2368.05 

2597.57 

2795.54 

53 

1963.42 

2257.46 

2531.34 

2779.19 

2993.78 

54 

2093.31 

2408.64 

2703.13 

2970.38 

3202.86 

55 

2229.21 

2567.01 

2883.20 

3171.16 

3422.70 

56 

2370.82 

2732.14 

3071.28 

3381.12 

3652.94 

57 

2517.56 

2903.54 

3266.75 

3599.65 

3893.15 

58 

2669.18 

3080.86 

3469.27 

3826.60 

4143.09 

59 

2825.14 

3263.52 

3678.36 

4061.37 

4402.50 

60 

2984.59 

3450.65 

3892.96 

4303.06 

4070.62 

31 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

20  Year  Mortuary  Additions 

Years 

A^e 

11 

12 

13 

14 

15 

20 

488.54 

487.73 

476.10 

452.72 

416.59 

21 

499.98 

499.25 

487.49 

463.74 

426.79 

22 

511.88 

511.30 

499.46 

475.22 

437.51 

23 

524.49 

524.13 

512.14 

487.49 

449.06 

24 

538.42 

538.29 

526.29 

501.36 

462.19 

25 

554.26 

554.60 

542.82 

517.70 

478.00 

26 

572.54 

573.61 

562.21 

537.17 

497.26 

27 

594.15 

596.23 

585.58 

561.04 

521.12 

28 

619.31 

622.80 

613.35 

589.56 

549.72 

29 

648.47 

653.86 

645.93 

623.05 

582.77 

30 

682.02 

689.65 

683.44 

661.08 

619.68 

31 

720.27 

730.42 

725.65 

703.25 

660.38 

32 

763.48 

775.98 

772.24 

749.56 

704.26 

33 

811.49 

826.07 

823.24 

799.52 

751.75 

34 

864.09 

880.73 

878.21 

853.52 

803.08 

35 

921.08 

939.33 

937.27 

911.52 

858.40 

36 

982.33 

1002.46 

1000.92 

974.25 

918.24 

37 

1048.20 

1070.37 

1069.61 

1041.96 

982.89 

38 

1118.65 

1143.21 

1143.27 

1114.58 

1052.17 

39 

1194.35 

1221.48 

1222.48 

1192.69 

1126.68 

40 

1275.68 

1305.65 

1307.69 

1276.73 

1207.27 

41 

1363.64 

1396.78 

1400.06 

1368.35 

1295.06 

42 

1458.72 

1495.38 

1500.46 

1467.86 

1390.71 

43 

1561.74 

1602.68 

1609.71 

1576.47 

1495.94 

44 

1673.45 

1718.99 

1728.41 

1695.21 

1611.09 

45 

1794.53 

1845.34 

1858.06 

1825.02 

1737.26 

46 

1925.69 

1982.86 

1999.26 

1966.67 

1874.52 

47 

2067.87 

2132.00 

2152.64 

2120.14 

2023.54 

48 

2221.64 

2293.53 

2318.44 

2286.38 

2184.98 

49 

2387.24 

2467.19 

2497.00 

2465.43 

2359.36 

50 

2564.23 

2653.06 

2688.12 

2657.53 

2546.50 

51 

2753.10 

2851.48 

2892.62 

2863.22 

2747.16 

52 

2953.80 

3062.77 

3110.57 

3082.75 

2961.88 

53 

3166.58 

3287.01 

3342.22 

3316.70 

3190.97 

54 

3391.24 

3524.13 

3587.81 

3565.07 

3435.18 

55 

3627.82 

3774.47 

3847.53 

3828.79 

3695.89 

56 

3876.23 

4037.79 

4121.76 

4108.64 

3973.36 

57 

4135.84 

4313.98 

4410.70 

4404.35 

4267.86 

58 

4406.93 

4603.66 

4714.72 

4710.92 

4580.65 

59 

4689.49 

4906.55 

5034.01 

5046.75 

4912.70 

60 

4982.39 

5221.82 

5367.81 

5393.46 

5263.49 

32 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

20  Year 

Mortuary  Additions 

Years 

Atfe 

16 

17 

18 

19 

20 

366.45 

301.12 

219.31       " 

119.46 

21 

375.53 

308.72 

224.86 

122.46 

22 

385.15 

316.69 

230.73 

125.80 

23 

395.47 

325.38 

237.38 

129.66 

24 

407.49 

335.92 

245.73 

134.83 

25 

422.44 

349.36 

256.77 

141.58 

26 

440.90 

366.20 

270.23 

149.40 

27 

464.00 

386.92 

286.48 

159.13 

28 

491.20 

410.78 

305.11 

169.54 

29 

522.04 

437.67 

325.27 

180.93 

30 

556.25 

466.60 

347.05 

193.13 

31 

593.10 

497.89 

370.53 

206.41 

32 

632.98 

531.71 

396.10 

220.88 

33 

676.12 

568.52 

423.94 

236.65 

34 

722.99 

608.52 

454.23 

253.84 

35 

773.44 

651.52 

486.68 

271.98 

36 

828.06 

698.09 

521.78 

292.10 

37 

887.08 

748.39 

560.16 

313.85 

38 

950.24 

802.54 

601.02 

336.77 

39 

1018.58 

860.84 

645.07 

362.06 

40 

1092.25 

923.81 

693.31 

389.65 

41 

1172.84 

993.62 

747.02 

420.98 

42 

1261.48 

1070.51 

806.54 

455.11 

43 

1359.16 

1155.66 

871.98 

493.00 

44 

1466.33 

1248.49 

943.53 

534.07 

45 

1583.29 

1350.13 

1021.73 

579.45 

46 

1710.86 

1460.90 

1107.47 

629.13 

47 

1849.29 

1581.60 

1200.81 

683.17 

48 

1999.82 

1712.92 

1302.58 

742.58 

49 

2162.47 

1854.98 

1413.05 

806.73 

50 

2337.16 

2007.89 

1531.59 

875.67 

51 

2524.98 

2172.28 

1659.70 

•  951.12 

52 

2726.10 

2349.12 

1798.59 

1032.89 

53 

2941.63 

2539.89 

1948.69 

1121.80 

54 

3172.69 

2744.85 

2110.76 

1218.11 

55 

3420.08 

2965.43 

2286.05 

1323.26 

56 

3684.63 

3202.46 

2475.73 

1437.39 

57 

3966.68 

3456.65 

2679.84 

1560.83 

58 

4268.12 

3729.72 

2900.93 

1696.49 

59 

4589.83 

4023.44 

3141.35 

1844.81 

60 

4932.03 

4338.60 

3400.42 

2005.21 

33 


COMB. 
EXP. 

TERMINAL   RESERVES 

13  Year  Mortuary  Additions 

4% 

Years 

A^e 

1 

2                         3 

4 

5 

20 

52.17 

99.31                   141.01 

176.81 

206.21 

21 

53.11 

101.15                   143.68 

180.24 

210.33 

22 

54.10 

103.08                   146.49 

183.87 

214.65 

23 

55.14 

105.11                   149.45 

187.65 

219.17 

24 

56.23 

107.25                   152.55 

191.63 

223.89 

25 

57.39 

109.48                   155.80 

195.78 

228.83 

26 

58.58 

111.82                   159.18 

200.10 

233.96 

27 

59.84 

114.26                   162.71 

204.61 

239.32 

28 

61.17 

116.84                   166.44 

209.40 

244.99 

29 

62.62 

119.65                   170.54 

214.63 

251.24 

30 

64.23 

122.82                   175.14 

220.56 

258.37 

31 

66.07 

126.40                  180.38 

227.36 

266.57 

32 

68.17 

130.54                  186.49 

235.30 

276.22 

33 

70.57 

135.29                   193.49 

244.46 

287.44 

34 

73.30 

140.68                   201.49 

254.99 

300.36 

35 

76.36 

146.77                   210.56 

266.94 

315.09 

36 

79.80 

153.63                  220.77 

280.44 

331.82 

37 

83.64 

161.30                   232.23 

295.66 

350.67 

38 

-     87.91 

169.84                  245.04 

312.66 

371.70 

39 

92.65 

179.33                   259.26 

331.51 

394.80 

40 

97.86 

189.77                  274.88 

352.04 

419.75 

41 

103.57 

201.20                  291.87 

374.21 

446.66 

42 

109.80 

213.59                  310.17 

398.09 

475.42 

43 

116.51 

226.87                   329.78 

423.51 

506.15 

44 

123.71 

241.15                   350.75 

450.77 

539.15 

45 

131.48 

256.44                  373.28 

480.10 

574.75 

46 

139.84 

272.98                   397.67 

511.93 

613.37 

47 

148.90 

290.89                   424.13 

546.45 

655.29 

48 

158.71 

310.31                   452.83 

583.92 

700.83 

49 

169.32 

331.32                  483.89 

624.50 

750.17 

50 

180.78 

354.05                  517.50 

668.43 

803.77 

51 

193.16 

378.58                   553.81 

716.04 

861.83 

52 

206.48 

405.01                  593.03 

767.44 

'924.61 

53 

220.80 

433.49                   635.28 

822.89 

992.59 

54 

236.17 

464.03                   680.64 

882.63 

1065.82 

55 

252.56 

496.65                  729.23 

946.59 

1144.29 

56 

270.02 

531.48                  781.10 

1014.92 

1227.99 

57 

288.58 

568.49                   836.24 

1087.48 

1317.01 

58 

308.21 

607.66                   894.56 

1164.32 

1411.32 

59 

328.89 

648.90                   956.05 

1245.40 

1511.04 

60 

350.58 

692.24                 1020.70 

1330.80 

1616.18 

34 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

15  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

10 

20 

228.69 

243.63 

250.40 

248.27 

236.47 

21 

233.36 

248.73 

255.74 

253.68 

241.70 

22 

238.27 

254.06 

261.33 

259.31 

247.19 

23 

243.37 

259.60 

267.12 

265.16 

252.80 

24 

248.72 

265.39 

273.20 

271.25 

258.69 

25 

254.28 

271.45 

279.49 

277.61 

264.88 

26 

260.09 

277.70 

286.02 

284.19 

271.21 

27 

266.11 

284.23 

292.87 

291.06 

277.86 

28 

272.52 

291.21 

300.15 

298.43 

285.06 

29 

279.63 

298.95 

308.33 

306.82 

293.31 

30 

287.77 

307.92 

317.94 

316.76 

303.30 

31 

297.22 

318.46 

329.29 

328.68 

315.56 

32 

308.45 

331.04 

343.02 

343.37 

330.81 

33 

321.55 

345.85 

359.37 

360.92 

349.08 

34 

336.72 

363.14 

378.51 

381.49 

370.12 

35 

354.13 

383.02 

400.49 

404.74 

393.49 

36 

373.92 

405.56 

425.08 

430.37 

419.11 

37 

396.17 

430.62 

452.08 

458.37 

446.57 

38 

420.74 

457.99 

481.45 

488.38 

476.14 

39 

447.48 

487.69 

512.92 

520.67 

507.98 

40 

476.29 

519.35 

546.59 

555.23 

542.21 

41 

507.09 

553.33 

582.77 

592.55 

579.17 

42 

540.14 

589.83 

621.80 

632.81 

619.10 

43 

575.49 

629.00 

663.67 

676.01 

661.91 

44 

613.56 

671.19 

708.79 

722.56 

708.01 

45 

654.62 

716.71 

757.49 

772.80 

758.05 

46 

699.22 

766.20 

810.47 

827.76 

812.72 

47 

747.65 

819.96 

868.29 

887.68 

872.50 

48 

800.29 

878.65 

931.37 

953.23 

938.43 

49 

857.54 

942.44 

1000.08 

1025.10 

1010.76 

50 

919.70 

1011.84 

1075.26 

1103.77 

1090.09 

51 

987.16 . 

1087.53 

1157.28 

1189.74 

1176.46 

52       • 

1060.41 

1169.71 

1246.46 

1282.93 

1270.28 

53 

1139.74 

1258.84 

1342.93 

1383.95 

1371.98 

54 

1225.27 

1354.72 

1446.89 

1492.81 

1481.88 

55 

1316.75 

1457.42 

1558.24 

1609.67 

1599.88 

56 

1414.47 

1567.16 

1677.50 

1734.91 

1726.49 

57 

1518.43 

1684.15 

1804.74 

1868.70 

1862.10 

58 

1628.83 

1808.50 

1940.17 

2011.48 

2006.96 

59 

1745.64 

1940.27 

2084.04 

2163.33 

2161.65 

60 

1869.00 

2079.77 

2236.57 

2324.97 

2327.21 

35 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

15  Year  Mortuary  Additions 

Years 

A^e 

11 

12 

13 

14 

20 

214.13 

180.38 

134.14 

74.38 

21 

218.98 

184.49 

137.24 

76.18 

22 

223.98 

188.76 

140.51 

77.99 

23 

229.14 

193.20 

143.81 

79.81 

24 

234.59 

197.82 

147.30 

81.83 

25 

240.25 

202.67 

151.01 

83.91 

26 

246.06 

207.67 

154.74 

85.97 

27 

252.22 

212.92 

158.70 

88.27 

28 

258.87 

218.67 

163.22 

90.95 

29 

266.67 

225.71 

168.95 

94.60 

30 

276.44 

234.76 

176.57 

99.36 

31 

288.59 

246.17 

185.92 

104.89 

32 

303.84 

260.22 

197.19 

111.79 

33 

321.76 

276.34 

210.06 

119.11 

34 

341.98 

294.43 

223.90 

127.08 

35 

364.29 

313.76 

238.77 

135.55 

36 

388.16 

334.55 

254.71 

144.75 

37 

413.88 

356.92 

272.03 

154.75 

38 

441.57 

381.20 

290.82 

165.63 

39 

471.57 

407.50 

311.22 

177.44 

40 

503.80 

435.74 

333.05 

189.91 

41 

538.64 

466.28 

356.62 

203.71 

42 

576.29 

499.26 

382.41 

218.64 

43 

616.58 

534.79 

409.87 

234.36 

44 

660.26 

573.07 

439.48 

251.73 

45 

707.48 

614.56 

472.04 

270.76 

46 

759.28 

660.69 

508.40 

292.43 

47 

816.48 

711.70 

548.86 

316.11 

48 

879.65 

768.27 

593.35 

342.39 

49 

949.11 

830.06 

642.08 

370.93 

50 

1024.94 

897.71 

695.32 

402.45 

51 

1107.71 

971.49 

753.74 

436.97 

52 

1197.55 

1051.90 

817.34 

474.52 

53 

1295.31 

1139.42 

886.70 

515.81 

54 

1400.97 

1234.12 

961.99 

560.36 

55 

1514.48 

1336.06 

1042.76 

608.24 

56 

1636.62 

1445.71 

1130.11 

660.70 

57 

1767.49 

1563.75 

1224.89 

717.56 

58 

1907.90 

1691.24 

1327.42 

779.44 

59 

2058.70 

1828.42 

1438.25 

846.53 

60 

2220.50 

1976.35 

1558.36 

919.93 

^G 


COMB. 
EXP. 

TERMINAL 

RESERVES 

4% 

10  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

33.22 

60.52 

81.43 

95.42 

101.96 

21 

33.76 

61.53 

82.81 

97.09 

103.82 

22 

34.33 

62.59 

84.28 

98.88 

105.77 

23 

34.93 

63.72 

85.86 

100.77 

107.86 

24 

35.57 

64.92 

87.52 

102.78 

110.06 

25 

36.25 

66.18 

89.26 

104.87 

112.35 

26 

36.96 

67.51 

91.09 

107.07 

114.75 

27 

37.70 

68.90 

93.01 

109.36 

117.26 

28 

38.48 

70.35 

94.99 

111.74 

119.83 

29 

39.29 

71.86 

97.08 

114.22 

122.53 

30 

40.14 

73.45 

99.24 

116.80 

125.37 

31 

41.03 

75.08 

101.49 

119.50 

128.28 

32 

41.95 

76.80 

103.85 

122.32 

131.36 

33 

42.93 

78.64 

106.38 

125.35 

134.69 

34 

44.03 

80.69 

109.23 

128.82 

138.54 

35 

45.30 

83.09 

112.60 

132.96 

143.24 

36 

46.77 

85.92 

116.60 

137.96 

149.03 

37 

48.53 

89.29 

121.45 

144.10 

156.21 

38 

50.57 

93.25 

127.19 

151.41 

164.77 

39 

52.92 

97.85 

133.86 

159.90 

174.52 

40 

55.59 

103.07 

141.43 

169.37 

185.20 

41 

58.59 

108.92 

149.79 

179.67 

196.78 

42 

61.92 

115.32 

158.84 

190.81 

209.07 

43 

65.54 

122.25 

168.62 

202.67 

222.25 

44 

69.46 

129.75 

179.08 

215.44 

236.48 

45 

73.70 

137.76 

190.31 

229.16 

251.83 

46 

78.25 

146.42 

202.47 

244.09 

268.52 

47 

83.19 

155.81 

215.69 

260.29 

286.64 

48 

88.51 

165.94 

229.94 

277.75 

306.14 

49 

94.27 

176.90 

245.35 

296.61 

327.18 

50 

100.50 

188.75 

262.00 

316.99 

350.05 

51 

107.28 

201.65 

280.15 

339.35 

375.09 

52 

114.64 

215.69 

300.00 

363.76 

402.51 

63 

122.67 

231.06 

321.70 

390.51 

432.84 

54 

131.42 

247.78 

345.36 

419.88 

466.11 

55 

140.92 

265.98 

371.27 

452.04 

502.61 

56 

151.25 

285.87 

399.56 

487.19 

542.33 

57 

162.47 

307.45 

430.30 

525.24 

585.43 

58 

174.61 

330.83 

463.51 

566.46 

632.11 

59 

187.69 

355.96 

499.28 

610.86 

682.56 

60 

201.66 

382.88 

537.59 

658.54 

736.71 

37 


COMB. 
EXP. 

TERMINAL   RESERVES 

4% 

10  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

20 

100.48 

90.28 

70.67 

40.85 

21 

102.35 

92.02 

72.06 

41.70 

22 

104.34 

93.84 

73.54 

42.55 

23 

100.44 

95.80 

75.09 

43.50 

24 

108.67 

97.83 

76.74 

44.45 

25 

110.97 

99.95 

78.40 

45.40 

26 

113.40 

102.15 

80.15 

46.47 

27 

115.90 

104.44 

82.01 

47.55 

28 

118.47 

106.81 

83.87 

48.62 

29 

121.20 

109.29 

85.84 

49.82 

30 

124.03 

111.88 

87.94 

51.04 

31 

120.90 

114.59 

90.07 

52.27 

32 

130.07 

117.42 

92.33 

53.65 

33 

133.43 

120.54 

94.92 

55.26 

34 

137.41 

124.39 

98.24 

57.48 

35 

142.44 

129.39 

102.70 

60.39 

36 

148.71 

135.69 

108.14 

63.75 

37 

156.55 

143.42 

114.66 

67.92 

38 

105.69 

152.20 

122.05 

72.29 

39 

175.89 

161.93 

129.88 

76.99 

40 

187.00 

172.20 

138.21 

81.95 

41 

198.76 

183.15 

147.08 

87.31 

42 

211.33 

194.88 

156.68 

93.12 

43 

224.84 

207.59 

167.10 

99.43 

44 

239.53 

221.41 

178.45 

106.32 

45 

255.36 

236.29 

190.60 

113.58 

46 

272.56 

252.46 

203.79 

121.68 

47 

291.24 

269.98 

218.28 

130.45 

48 

311.28 

288.91 

233.73 

139.69 

49 

333.00 

309.35 

250.42 

149.94 

50 

356.63 

331.51 

268.80 

161.17 

51 

382.54 

356.24 

289.40 

174.03 

52 

411.22 

383.62 

312.35 

188.06 

53 

442.94 

414.05 

337.58 

203.64 

54 

477.83 

447.22 

365.19 

220.52 

55 

515.88 

483.54 

395.33 

239.16 

56 

557.40 

523.11 

428.39 

259.58 

57 

602.42 

566.20 

464.34 

281.74 

58 

651.39 

613.09 

503.54 

306.12 

59 

704.30 

663.79 

546.06 

332.38 

60 

701.12 

718.36 

591.63 

360.56 

as 


COMB. 
EXP. 

MEAN   RESERVES 

Ordinary  Life 

4% 

Years 

Atfe 

1 

2 

3 

4 

5 

21 

9.88 

16.46 

23.27 

30.31 

37.58 

22 

10.18 

17.03 

24.11 

31.43 

38.99 

23 

10.48 

17.62 

24.98 

32.60 

40.47 

24 

10.82 

18.24 

25.91 

33.83 

42.01 

25 

11.16 

18.89 

26.87 

35.11 

43.62 

26 

11.52 

19.56 

27.87 

36.44 

45.30 

27 

11.90 

20.27 

28.92 

37.84 

47.06 

28 

12.29 

21.01 

30.01 

39.30 

48.89 

29 

.   12.71 

21.78 

31.15 

40.83 

50.81 

30 

13.14 

22.60 

32.36 

42.39 

52.83 

31 

13.60 

23.45 

33.62 

44.11 

54.95 

32 

14.07 

24.34 

34.94 

45.89 

57.19 

33 

14.58 

25.29 

36.34 

47.76 

59.56 

34 

15.12 

26.29 

37.83 

49.75 

62.07 

35 

15.67 

27.34 

39.40 

51.85 

64.73 

36 

16.27 

28.46 

41.06 

54.08 

67.54 

37 

16.91 

29.66 

42.84 

56.46 

70.54 

38 

17.57 

30.92 

44.71 

58.98 

73.72 

39 

18.29 

32.26 

46.72 

61.66 

77.05 

40 

19.05 

33.70 

48.85 

64.47 

80.51 

41 

19.86 

35.22 

51.10 

67.35 

84.02 

42 

20.71 

36.79 

53.32 

70.25 

87.54 

43 

21.58 

38.38 

55.59 

73.15 

91.05 

44 

22.49 

39.99 

57.85 

76.04 

94.56 

45 

23.43 

41.60 

60.12 

78.96 

98.11 

46 

24.39 

43.24 

62.42 

81.92 

101.75 

47 

25.39 

44.94 

64.81 

85.00 

105.47 

48 

26.44 

46.70 

67.29 

88.17 

109.32 

49 

27.54 

48.56 

69.86 

91.44 

113.28 

50 

28.70 

50.46 

72.50 

94.80 

117.35 

51 

29.91 

52.44 

75.23 

98.27 

121.55 

52 

31.17 

54.49 

78.06 

101.86 

125.87 

53 

32.50 

56.63 

81.00 

105.58 

130.35 

54 

33.91 

58.87 

84.06 

109.44 

135.00 

55 

35.38 

61.20 

87.23 

113.44 

139.81 

56 

36.92 

63.64 

90.54 

117.60 

144.75 

57 

38.57 

66.20 

94.01 

121.90 

149.81 

58 

40.29 

68.88 

97.56 

126.27 

154.95 

59 

42.11 

71.64 

101.18 

130.70 

160.14 

60 

44.00 

74.45 

104.87 

135.19 

165.37 

61 

45.99 

77.36 

108.64 

139.76 

170.68 

62 

48.06 

80.36 

112.49 

144.40 

176.03 

63 

50.25 

83.46 

116.44 

149.12 

181.43 

64 

52.55 

86.66 

120.47 

153.90 

186.90 

65 

54.96 

89.96 

124.57 

158.75 

192.46 

66        57.47        93.35        128.77       163.72       198.14 


39 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

Ordinary  Life 

Years 

A^e 

6 

7 

8 

0 

10 

21 

45.09 

52.86 

60.87 

69.15 

77.70 

22 

46.81 

54.88 

63.21 

71.81 

80.70 

23 

48.59 

56.98 

65.65 

74.59 

83.82 

24 

50.46 

59.18 

68.19 

77.49 

87.08 

25 

52.41 

61.48 

70.85 

80.51 

90.49 

26 

54.45 

63.88 

73.62 

83.67 

94.05 

27 

56.57 

66.38 

76.52 

86.99 

97.79 

28 

58.79 

69.01 

79.56 

90.46 

101.71 

29 

61.12 

71.77 

82.75 

94.11 

105.84 

30 

63.57 

74.66 

86.12 

97.96 

110.18 

31 

66.15 

77.71 

89.66 

102.01 

114.77 

32 

68.87 

80.93 

93.40 

106.29 

119.62 

33 

71.75 

84.34 

97.36 

110.83 

124.74 

34 

74.80 

87.96 

101.56 

115.62 

130.12 

35 

78.03 

91.79 

106.00 

120.66 

135.72 

36 

81.46 

95.84 

110.67 

125.91 

141.51 

37 

85.10 

100.11 

115.53 

131.33 

147.46 

38 

88.92 

104.53 

120.53 

136.86 

153.50 

39 

92.88 

109.09 

125.65 

142.50 

159.65 

40 

96.94 

113.72 

130.82 

148.21 

165.89 

41 

101.05 

118.39 

136.04 

153.97 

172.20 

42 

105.15 

123.07 

141.28 

159.79 

178.55 

43 

109.25 

127.74 

146.56 

165.63 

184.94 

44 

113.37 

132.49 

151.88 

171.52 

191.39 

45 

117.57 

137.30 

157.28 

177.50 

197.94 

46 

121.83 

142.18 

162.77 

183.59 

204.61 

47 

126.21 

147.19 

168.40 

189.83 

211.44 

48 

130.71 

152.34 

174.19 

196.23 

218.43 

49 

135.35 

157.65 

180.13 

202.79 

225.62 

50 

140.12 

163.08 

186.22 

209.53 

232.97 

51 

145.02 

168.67 

192.49 

216.45 

240.50 

52 

150.07 

174.44 

198.95 

223.54 

248.15 

53 

155.30 

180.39 

205.56 

230.76 

255.93 

54 

160.71 

186.50 

212.32 

238.11 

263.82 

55 

166.26 

192.73 

219.18 

245.54 

271.78 

56 

171.93 

199.07 

226.13 

253.06 

279.81 

57 

177.70 

205.50 

233.17 

260.65 

287.88 

58 

183.53 

211.99 

240.25 

268.24 

295.93 

59 

189.42 

218.51 

247.33 

275.82 

303.97 

60 

195.34 

225.03 

254.40 

283.39 

312.00 

61 

201.30 

231.58 

261.50 

291.00 

320.00 

62 

207.30 

238.17 

268.63 

298.03 

328.14 

63 

213.34 

244.82 

275.83 

306.31 

336.27 

64 

219.46 

251.54 

283.08 

314.06 

344.45 

65 

225.68 

258.34 

290.42 

321.89 

352.70 

66        231.99        265.24        297.85       329.80      361.05 


40 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

Ordinary   Life 

Years 

A^e 

11 

12 

13 

14 

Id 

21 

8G.52 

95.64 

105.04 

114.74 

124.76 

22 

89.87 

99.33 

109.10 

119.19 

129.60 

23 

93.35 

103.19 

113.34 

123.83 

134.66 

24 

96.98 

107.22 

117.77 

128.69 

139.96 

25 

100.79 

111.43 

122.42 

133.78 

145.52 

2G 

104.77 

115.85 

127.30 

139.12 

151.34 

27 

108.9G 

120.49 

132.41 

144.73 

157.47 

28 

113.35 

125.36 

137.78 

150.63 

163.91 

29 

117.90 

130.49 

143.45 

156.84 

170.65 

30 

122.83 

135.90 

149.42 

163.34 

177.66 

31 

127.9G 

141.60 

155.67 

170.11 

184.92 

32 

133.38 

147.58 

162.18 

177.12 

192.38 

33 

139.08 

153.82 

168.91 

184.33 

200.04 

34 

145.02 

160.27 

175.85 

191.72 

207.86 

35 

151.15 

166.90 

182.95 

199.27 

215.87 

36 

157.45 

173.68 

190.19 

206.98 

224.04 

37 

1G3.89 

180.60 

197.59 

214.85 

232.36 

38 

170.43 

187.61 

205.13 

222.85 

240.81 

39 

177.09 

194.81 

212.77 

230.97 

249.38 

40 

183.85 

202.07 

220.52 

239.19 

258.06 

41 

190.G8 

209.40 

228.34 

247.49 

266.83 

42 

197.5G 

216.79 

236.23 

255.86 

275.67 

43 

204.48 

224.23 

244.19 

264.31 

284.58 

44 

211.48 

231.77 

252.23 

272.84 

293.62 

45 

218.58 

239.40 

260.39 

281.52 

302.78 

46 

225.81 

247.18 

268.70 

290.34 

312.06 

47 

233.21 

255.14 

277.20 

299.33 

321.48 

48 

240.80 

263.29 

285.86 

308.44 

331.01 

49 

248.57 

271.60 

294.66 

317.68 

340.63 

50 

256.49 

280.03 

303.55 

327.00 

350.33 

51 

2G4.5G 

288.59 

312.56 

336.40 

360.09 

52 

272.74 

297.25 

321.64 

345.87 

369.88 

53 

281.03 

306.00 

330.80 

355.37 

379.67 

54 

289.41 

314.82 

340.00 

364.89 

389.48 

55 

297.84 

323.67 

349.19 

374.41 

399.28 

56 

306.31 

332.52 

358.40 

383.92 

409.07 

57 

314.79 

341.38 

367.60 

393.44 

418.85 

58 

323.27 

350.23 

376.80 

402.92 

428.58 

59 

331.72 

359.07 

385.96 

412.37 

438.28 

60 

340.17 

367.88 

395.10 

421.79 

447.93 

61 

348.G4 

376.71 

404.24 

431.20 

457.59 

62 

357.12 

385.55 

413.38 

440.62 

467.25 

63 

365.64 

394.42 

422.56 

450.08 

476.94 

64 

374.21 

403.33 

431.79 

459.58 

486.64 

65 

382.85 

412.32 

441.09 

469.12 

496.40 

66       391.59       421.41       450.46       478.77       506.30 


41 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

Ordinary   Life 

Years 

A^e 

16 

17 

18 

19 

20 

21 

135.12 

145.81 

156.87 

168.27 

180.07 

22 

140.36 

151.49 

162.97 

174.85 

187.13 

23 

145.86 

157.42 

169.38 

181.75 

194.52 

24 

151.61 

163.65 

176.10 

188.97 

202.24 

25 

157.65 

170.19 

183.16 

196.52 

210.26 

26 

163.98 

177.05 

190.51 

204.35 

218.53 

27 

170.64 

184.21 

198.16 

212.45 

227.04 

28 

177.59 

191.66 

200.00 

220.77 

235.76 

29 

184.83 

199.36 

214.20 

229.31 

244.69 

30 

192.32 

207.29 

222.54 

238.06 

253.83 

31 

200.03 

215.42 

231.08 

247.00 

263.17 

32 

207.92 

223.74 

230.81 

256.15 

272.71 

33 

216.01 

232.25 

248.75 

265.48 

282.43 

34 

224.28 

240.95 

257.86 

274.99 

292.32 

35 

232.72 

249.82 

267.14 

284.67 

302.38 

36 

241.33 

258.85 

276.58 

294.50 

312.59 

37 

250.10 

268.04 

286.17 

304.49 

322.96 

38 

258.98 

277.34 

295.89 

314.60 

333.46 

39 

267.99 

286.79 

305.74 

324.85 

344.09 

40 

277.11 

296.34 

315.71 

335.22 

354.84 

41 

286.32 

305.98 

325.78 

345.69 

365.66 

42 

295.62 

315.73 

335.94 

356.22 

376.52 

43 

305.01 

325.55 

346.16 

366.79 

387.39 

44 

314.50 

335.46 

356.43 

377.38 

398.28 

45 

324.10 

345.45 

366.77 

388.02 

409.18 

46 

333.80 

355.51 

377.16 

398.70 

420.09 

47 

343.60 

365.66 

387.61 

409.42 

431.02 

48 

353.50 

375.89 

398.12 

420.15 

441.93 

49 

363.48 

386.17 

408.65 

430.88 

452.83 

50 

373.50 

396.46 

419.16 

441.59 

463.70 

51 

383.55 

406.76 

429.67 

452.28 

474.54 

52 

393.61 

417.05 

440.17 

462.94 

485.35 

53 

403.67 

427.34 

450.66 

473.58 

496.11 

54 

413.73 

437.62 

461.11 

484.19 

506.82 

55 

423.78 

447.87 

471.53 

494.74 

517.48 

56 

433.80 

458.09 

481.91 

505.24 

528.10 

57 

443.80 

468.27 

492.24 

515.69 

538.62 

58 

453.75 

478.40 

502.52 

526.09 

549.10 

59 

463.66 

488.48 

512.74 

536.43 

559.51 

60 

473.51 

498.52 

522.93 

546.70 

569.85 

61 

483.37 

508.55 

533.07 

556.94 

580.20 

62 

493.24 

518.56 

543.20 

567.20 

590.63 

63 

503.10 

528.57 

553.38 

577.59 

601.29 

64 

512.99 

538.66 

563.69 

588.22 

612.35 

65 

522.98 

548.91 

574.30 

599.28 

623.99 

66        533.09        559.49        585.35       611.01       636.36 


42 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

19  Payment  Li£e 

Years 

A^e 

1 

2 

3 

4 

s 

21 

16.74 

30.52 

44.87 

59.82 

75.38 

22 

17.10 

31.21 

45.90 

61.20 

77.12 

23 

17.47 

31.92 

46.96 

62.62 

78.93 

24 

17.86 

32.66 

48.06 

64.10 

80.79 

25 

18.26 

33.42 

49.19 

65.61 

82.70 

26 

18.67 

34.20 

50.36 

67.18 

84.68 

27 

19.09 

35.00 

51.56 

68.78 

86.70 

28 

19.53 

35.83 

52.80 

70.44 

88.80 

29 

19.98 

36.69 

54.07 

72.15 

90.95 

30 

20.45 

37.58 

55.39 

73.91 

93.18 

31 

20.94 

38.49 

56.75 

75.73 

95.49 

32 

21.44 

39.44 

58.16 

77.03 

97.89 

33 

21.97 

40.43 

59.63 

79.60 

100.38 

34 

22.51 

41.46 

61.16 

81.65 

102.98 

35 

23.08 

42.53 

62.75 

83.79 

105.69 

36 

23.68 

43.65 

64.42 

86.03 

108.52 

37 

24.30 

44.83 

66.17 

88.38 

111.50 

38 

24.96 

46.06 

68.01 

90.85 

114.61 

39 

25.64 

47.36 

69.94 

93.43 

117.84 

40 

26.37 

48.73 

71.97 

96.11 

121.14 

41 

27.14 

50.16 

74.06 

98.83 

124.45 

42 

27.94 

51.63 

76.17 

101.54 

127.73 

43 

28.75 

53.09 

78.24 

104.19 

130.94 

44      '\X 

29.58 

54.55 

80.29 

106.80 

134.10 

45 

30.44 

56.00 

82.30 

109.37 

137.23 

46 

31.29 

57.43 

84.30 

111.93 

140.35 

47 

32.18 

58.89 

80.34 

114.54 

143.51 

48 

33.10 

60.39 

88.42 

117.18 

146.69 

49 

34.05 

61.94 

90.53 

119.85 

149.91 

50 

35.04 

63.51 

92.68 

122.54 

153.14 

51 

36.07 

65.13 

94.85 

125.27 

156.41 

52 

37.14 

66.79 

97.08 

128.05 

159.72 

53 

38.25 

68.49 

99.37 

130.88 

163.08 

54 

39.43 

70.27 

101.71 

133.79 

166.53 

55 

40.65 

72.10 

104.13 

136.77 

170.05 

56 

41.94 

74.01 

106.64 

139.85 

173.63 

57 

43.31 

76.03 

109.26 

143.01 

177.25 

58 

44.76 

78.12 

111.94 

146.19 

180.87 

59 

46.28 

80.28 

114.65 

149.39 

184.49 

60 

47.87 

82.48 

117.39 

152.60 

188.10 

61        49.55        84.76        120.20       155.86       191.73 


43 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

« 

19  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

91.58 

108.46 

126.05 

144.37 

163.45 

22 

93.71 

110.98 

128.97 

147.71 

167.24 

23 

95.90 

113.58 

131.99 

151.17 

171.15 

24 

98.17 

116.26 

135.10 

154.72 

175.17 

25 

100.49 

119.02 

138.30 

158.39 

179.32 

26 

102.89 

121.85 

141.60 

162.17 

183.60 

27 

105.36 

124.77 

144.99 

166.05 

188.00 

28 

107.90 

127.79 

148.50 

170.08 

192.56 

29 

110.52 

130.90 

152.12 

174.23 

197.27 

30 

113.24 

134.12 

155.87 

178.53 

202.15 

31 

116.05 

137.46 

159.76 

183.00 

207.22 

32 

118.97 

140.93 

163.80 

187.64 

212.49 

33 

122.02 

144.54 

168.01 

192.48 

217.97 

34 

125.18 

148.30 

172.40 

197.50 

223.64 

35 

128.48 

152.23 

176.96 

202.70 

229.45 

36 

131.94 

156.33 

181.70 

208.05 

235.39 

37 

135.56 

160.58 

186.56 

213.50 

241.42 

38 

139.31 

164.94 

191.51 

219.01 

247.48 

39 

143.15 

169.38 

196.51 

224.56 

253.57 

40 

147.05 

173.83 

201.50 

230.10 

259.67 

41 

150.92 

178.25 

206.46 

235.61 

265.74 

42 

154.75 

182.63 

211.41 

241.11 

271.79 

43 

158.50 

186.93 

216.25 

246.50 

277.74 

44 

162.22 

191.20 

221.07 

251.87 

283.66 

45 

165.90 

195.43 

225.85 

257.19 

289.52 

46 

169.58 

199.65 

230.60 

262.48 

295.36 

47 

173.28 

203.89 

235.37 

267.78 

301.19 

48 

177.00 

208.13 

240.14 

273.07 

307.01 

49 

180.74 

212.40 

244.92 

278.37 

312.83 

50 

184.50 

216.67 

249.70 

283.66 

318.63 

51 

188.29 

220.97 

254.51 

288.97 

324.40 

52 

192.12 

225.32 

259.35 

294.26 

330.11 

53 

196.01 

229.70 

264.19 

299.51 

335.74 

54 

199.97 

234.12 

269.02 

304.72 

341.30 

55 

203.96 

238.53 

273.80 

309.83 

346.72 

56 

207.98 

242.94 

278.55 

314.88 

352.03 

57 

212.01 

247.32 

283.24 

319.82 

357.19 

58 

216.01 

251.65 

287.83 

324.63 

362.16 

59 

219.99 

255.92 

292.32 

329.30 

366.96 

60 

223.93 

260.10 

296.70 

333.80 

371.58 

61        227.85        264.25        300.99       338.22       376.08 


44 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

19  Payment  Life 

Years 

A^e 

11 

12 

13 

14 

15 

21 

183.35 

204.08 

225.70 

248.25 

271.77 

22 

187.59 

208.79 

230.91 

253.98 

278.05 

23 

191.97 

213.67 

236.30 

259.91 

284.55 

24 

196.48 

218.69 

241.86 

266.03 

291.25 

25 

201.13 

223.87 

247.59 

272.34 

298.18 

26 

205.93 

229.22 

253.52 

278.87 

305.35 

27 

210.88 

234.74 

259.63 

285.61 

312.74 

28 

216.00 

240.45 

265.96 

292.60 

320.41 

29 

221.29 

246.36 

272.51 

299.81 

328.29 

30 

226.79 

252.49 

279.30 

307.27 

336.40 

31 

232.49 

258.84 

286.31 

314.92 

344.69 

32 

238.40 

265.41 

293.51 

322.74 

353.14 

33 

244.53 

272.16 

300.88 

330.73 

361.72 

34 

250.81 

279.05 

308.37 

338.80 

370.40 

35 

257.23 

286.05 

315.94 

346.96 

379.18 

36 

263.74 

293.13 

323.60 

355.22 

388.06 

37 

270.33 

300.28 

331.33 

363.55 

397.02 

38 

276.94 

307.46 

339.10 

371.93 

406.02 

39 

283.60 

314.69 

346.92 

380.35 

415.06 

40 

290.26 

321.93 

354.74 

388.78 

424.13 

41 

296.89 

329.13 

362.53 

397.17 

433.16 

42 

303.51 

336.32 

370.31 

405.58 

442.21 

43 

310.01 

343.40 

377.98 

413.86 

451.15 

44 

316.50 

350.46 

385.63 

422.14 

460.10 

45 

322.92 

357.45 

393.21 

430.35 

468.98 

46 

329.30 

364.40 

400.77 

438.52 

477.79 

47 

335.68 

371.34 

408.29 

446.63 

486.52 

48 

342.04 

378.25 

415.74 

454.65 

495.13 

49 

348.38 

385.11 

423.11 

462.55 

503.61 

50 

354.66 

391.85 

430.33 

470.27 

511.88 

51 

360.87 

398.50 

437.43 

477.84 

519.97 

52 

366.99 

405.02 

444.37 

485.22 

527.84 

53 

372.99 

411.38 

451.09 

492.34 

535.42 

54 

378.87 

417.58 

457.62 

499.24 

542.75 

55 

384.58 

423.56 

463.89 

505.83 

549.76 

56 

390.12 

429.33 

469.90 

512.14 

556.47 

57 

395.47 

434.87 

475.65 

518.17 

562.85 

58 

400.59 

440.15 

481.12 

523.86 

568.87 

59 

405.52 

445.20 

486.31 

529.25 

574.56 

60 

410.22 

449.98 

491.18 

534.28 

579.84 

61  414.76  454.55  495.81  539.00  584.78 


45 


COMB. 
EXP. 

MEAN   RESERVES 

4% 

19  Payment  Life 

Years 

Aye 

16 

17 

18 

19 

21 

296.33 

321.97 

348.75 

376.73 

22 

303.18 

329.42 

356.83 

385.50 

23 

310.28 

337.15 

365.22 

394.57 

24 

317.59 

345.11 

373.88 

403.95 

25 

325.16 

353.36 

382.83 

413.61 

26 

333.00 

361.89 

392.07 

423.55 

27 

341.08 

370.66 

401.53 

433.72 

28 

349.43 

379.69 

411.24 

444.11 

29 

357.97 

388.90 

421.12 

454.68 

30 

366.74 

398.32 

431.20 

465.45 

31 

375.66 

407.89 

441.43 

476.39 

32 

384.73 

417.60 

451.82 

487.51 

33 

393.95 

427.47 

462.39 

498.78 

34 

403.26 

437.45 

473.06 

510.21 

35 

412.68 

447.54 

483.86 

521.76 

36 

422.20 

457.73 

494.77 

533.44 

37 

431.81 

468.03 

505.79 

545.23 

38 

441.46 

478.37 

516.87 

557.13 

39 

451.17 

488.78 

528.04 

569.12 

40 

460.90 

499.23 

539.27 

581.20 

41 

470.61 

509.68 

550.53 

593.35 

42 

480.36 

520.18 

561.85 

605.53 

43 

490.01 

530.60 

573.09 

617.73 

44 

499.68 

541.03 

584.36 

629.92 

45 

509.25 

551.35 

595.52 

642.06 

46 

518.74 

561.60 

606.61 

654.15 

47 

528.15 

571.74 

617.62 

666.15 

48 

537.41 

581.75 

628.49 

678.05 

49 

546.52 

591.60 

639.21 

689.81 

50 

555.41 

601.21 

649.70 

701.43 

51 

564.10 

610.62 

660.00 

712.88 

52 

572.55 

619.79 

670.10 

724.16 

53 

580.70 

628.66 

679.92 

735.27 

54 

588.59 

637.28 

689.52 

746.17 

55 

596.14 

645.56 

698.80 

756.86 

56 

603.37 

653.53 

707.79 

767.33 

57 

610.26 

661.15 

716.49 

777.57 

58 

616.78 

668.40 

724.83 

787.57 

59 

622.93 

675.29 

732.88 

797.37 

60 

628.65 

681.75 

740.53 

806.88 

61  634.00  687.82  747.81  816.16 


46 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

14  Payment  Life 

Years 

A^e. 

1 

2 

3 

4 

3 

21 

21.30 

■       39.87 

•     59.23 

79.42 

100.49 

22 

21.75 

40.73 

60.52 

81.16 

102.70 

23 

22.20 

41.61 

61.85 

82.96 

104.98 

24 

22.68 

42.53 

63.23 

84.81 

107.33 

25 

23.16 

43.47 

64.65 

86.73 

109.75 

26 

23.67 

44.45 

66.11 

88.69 

112.25 

27 

.  24.19 

45.45 

67.61 

90.72 

114.82 

28 

24.73 

46.48 

69.16 

92.81 

117.46 

29 

25.28 

47.55 

70.70 

94.96 

120.19 

30 

25.85 

48.65 

72.40 

97.17 

123.00 

31 

26.45 

49.78 

74.10 

99.46 

125.90 

32 

27.06 

50.95 

75.85 

101.81 

128.89 

33 

27.69 

52.16 

77.67 

104.26 

132.00 

34 

28.35 

53.41 

79.54 

106.79 

135.22 

35 

29.02 

54.71 

81.49 

109.42 

138.55 

36 

29.73 

56.07 

83.52 

112.15 

142.03 

37< 

30.47 

57.47 

85.63 

114.99 

145.64 

38 

31.24 

58.94 

87.83 

117.90 

149.40 

39 

32.04 

60.48 

90.13 

121.06 

153.29 

40 

32.88    • 

62.09 

92.53 

124.25 

157.26 

41 

33.77 

63.76 

95.00 

127.49 

161.26 

42 

34.68 

65.48 

97.48 

130.73 

165.23 

43 

35.62 

67.19 

99.95 

133.93 

169.15 

44 

36.57 

68.89 

102.38 

137.07 

173.03 

45 

37.54 

70.59 

104.78 

140.19 

176.87 

40 

38.51 

72.25 

107.16 

143.29 

180.70 

47 

39.50 

73.95 

109.56 

146.41 

184.55 

48 

40.52 

75.67 

111.99 

149.54 

188.39 

49 

41.57 

77.40 

114.41 

152.66 

192.21 

50 

42.65 

79.18 

116.87 

155.80 

196.05 

51 

43.76 

80.96 

119.32 

158.93 

199.87 

52 

44.89 

82.75 

121.78 

162.06 

203.66 

53 

46.05 

84.58 

124.26 

155.18 

207.45 

54 

47.27 

86.44 

126.76 

168.33 

211.26 

55 

48.51 

88.32 

129.28 

171.50 

215.97 

56 

49.80 

90.25 

131.84 

174.67 

218.83 

57 

51.15 

92.25 

134.46 

177.87 

222.56 

58 

52.56 

94.28 

137.07 

181.00 

226.19 

59 

54.03 

96.33 

139.64 

184.06 

229.71 

60 

55.53 

98.37 

142.17 

187.03 

233.09 

61        57.10        100.44        144.69       189.95      236.36 


47 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

14  Payment  Life 

Years 

A^e 

6 

7 

8 

0 

10 

21 

122.47 

145.41 

169.34 

194.33 

220.42 

22 

125.17 

148.61 

173.08 

198.62 

225.28 

23 

127.95 

151.92 

176.93 

203.04 

230.30 

24 

130.82 

155.32 

180.90 

207.59 

235.46 

25 

133.77 

158.83 

184.98 

212.28 

240.79 

26 

136.82 

162.45 

189.20 

217.13 

246.29 

27 

139.95 

166.17 

193.54 

222.12 

251.96 

28 

143.18 

170.01 

198.02 

227.27 

257.82 

29 

146.51 

173.98 

202.65 

232.59 

263.87 

30 

149.94 

178.06 

207.41 

238.08 

270.11 

31 

153.49 

182.29 

212.35 

243.76 

276.58 

32 

157.15 

186.64 

217.44 

249.62 

283.26 

33 

160.95 

191.17 

222.74 

255.72 

290.19 

34 

164.88 

195.85 

228.21 

262.01 

297.32 

35 

168.96 

200.72 

233.89 

268.52 

304.65 

36 

173.22 

205.78 

239.76 

275.20 

312.14 

37 

177.63 

211.00 

245.77 

282.01 

319.74 

38 

182.19 

216.34 

251.90 

288.91 

327.44 

39 

186.85 

221.78 

258.10 

295.88 

335.20 

40 

191.58 

227.26 

264.33 

302.89 

343.02 

41 

196.32 

232.74 

270.57 

309.92 

350.89 

42 

201.03 

238.19 

276.80 

316.95 

358.76 

43 

205.68 

243.61 

283.01 

323.98 

366.64 

44 

210.31 

249.00 

289.19 

330.99 

374.50 

45 

214.91 

254.37 

295.35 

337.97 

382.36 

46 

219.48 

259.70 

301.47 

344.92 

390.19 

47 

224.06 

265.04 

307.60 

351.88 

398.02 

48 

228.63 

270.36 

313.71 

358.80 

405.82 

49 

233.17 

275.64 

319.75 

365.67 

413.57 

50 

237.72 

280.93 

325.81 

372.55 

421.33 

51 

242.23 

286.16 

331.82 

379.36 

428.99 

52 

246.72 

291.38 

337.78 

386.09 

436.53 

53 

251.20 

296.55 

343.66 

392.71 

443.94 

54 

255.67 

301.68 

349.45 

399.20 

451.20 

55 

260.09 

306.71 

355.11 

405.53 

458.26 

56 

264.42 

311.60 

360.59 

411.64 

465.07 

57 

268.68 

316.39 

365.92 

417.55 

471.66 

58 

272.79 

320.98 

371.01 

423.20 

477.94 

59 

276.74 

325.36 

375.85 

428.54 

483.88 

60 

280.50 

329.50 

380.39 

433.54 

489.47 

61  284.10  333.42  384.65  438.24  494.73 


48 


COMB.  MEAN   RESERVES 

EXP. 

14  Payment  Life 


Years 


4% 


A^e 

11 

12 

13 

14 

21 

247.67 

276.12 

305.86 

336.94 

22 

253.13 

282.21 

312.61 

344.39 

23 

258.77 

288.51 

319.59 

352.08 

24 

264.58 

295.00 

326.79 

360.03 

25 

270.57 

301.69 

334.22 

368.24 

26 

276.76 

308.61 

341.90 

376.73 

27 

283.15 

315.74 

349.83 

385.50 

28 

289.75 

323.13 

358.04 

394.57 

29 

296.56 

330.75 

366.52 

403.95 

30 

303.00 

338.63 

375.28 

413.61 

31 

310.90 

346.80 

384.33 

423.55 

32 

318.43 

355.18 

393.59 

433.72 

33 

326.21 

363.83 

403.10 

444.11 

34 

334.17 

372.64 

412.78 

454.68 

35 

342.33 

381.63 

422.63 

465.45 

36 

350.64 

390.77 

432.65 

476.39 

37 

359.05 

400.04 

442.81 

487.51 

38 

367.57 

409.42 

453.11 

498.78 

39 

376.17 

418.90 

463.53 

510.21 

40 

384.85 

428.48 

474.06 

521.76 

41 

393.58 

438.13 

484.69 

533.44 

4^ 

402.33 

447.82 

495.38 

545.23 

43 

411.11 

457.55 

500.10 

557.13 

44 

419.89 

467.32 

516.98 

569.12 

45 

428.68 

477.10 

527.86 

581.20 

46 

437.44 

486.88 

538.76 

593.35 

47 

446.21 

496.69 

549.70 

005.53 

48 

454.97 

506.49 

560.63 

017.73 

49 

463.67 

516.21 

571.49 

029.92 

50 

472.36 

525.93 

582.36 

642.06 

51 

480.93 

535.51 

593.10 

054.15 

52 

489.38 

544.96 

603.72 

000.15 

53 

497.66 

554.25 

614.18 

678.05 

54 

505.78 

563.37 

624.49 

689.81 

55 

513.69 

572.27 

634.60 

701.43 

56 

521.31 

580.88 

644.44 

712.88 

57 

528.69 

589.25 

654.08 

724.16 

58 

535.76 

597.32 

663.47 

735.27 

59 

542.48 

605.05 

672.55 

740.17 

60 

548.83 

612.42 

681.31 

750.80 

efl       .  554.82  619.44  .  689.70    .  767.33 


40 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

9  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

31.23 

60.19 

90.46 

122.07 

155.12 

22 

31.86 

61.43 

92.33 

124.61 

158.36 

23 

32.51 

62.70 

94.26 

127.23 

161.69 

24 

33.17 

64.02 

96.26 

129.94 

165.13 

25 

33.86 

65.38 

98.32 

132.73 

168.69 

26 

34.57 

66.79 

100.44 

135.60 

172.35 

27 

35.31 

68.23 

102.63 

138.57 

176.13 

28 

36.07 

69.72 

104.88 

141.62 

180.02 

29 

36.86 

71.26 

107.21 

144.77 

184.04 

30 

37.66 

72.85 

109.61 

148.02 

188.18 

31 

38.50 

74.48 

112.08 

151.37 

192.45 

32 

39.36 

76.17 

114.63 

154.83 

196.86 

33 

40.25 

77.91 

117.26 

158.40 

201.42 

34 

41.17 

79.70 

119.96 

162.07 

206.11 

35 

42.13 

81.57 

122.79 

165.90 

211.00 

36 

43.11 

83.49 

125.71 

169.85 

216.04 

37 

44.13 

85.48 

128.71 

173.93 

221.26 

38 

45.19 

87.54 

131.83 

178.17 

226.66 

39 

46.28 

89-69 

135.08 

182.56 

232.23 

40 

47.43 

91.92 

138.45 

187.09 

237.92 

41 

48.62 

94.23 

141.90 

191.70 

243.71 

42 

49.85 

96.60 

145.41 

196.35 

249.53 

43 

51.12 

98.99 

148.93 

201.01 

255.37 

44 

52.40 

101.38 

152.44 

205.67 

261.21 

45 

53.70 

103.78 

155.94 

210.32 

267.08 

46 

55.01 

106.16 

159.44 

214.99 

272.98 

47 

56.35 

108.57 

162.96 

219.69 

278.90 

48 

57.71 

111.00 

166.52 

224.41 

284.86 

49 

59.10 

113.47 

170.09 

229.15 

290.83 

50 

60.52 

115.94 

173.67 

233.88 

296.79 

51 

61.95 

118.42 

177.24 

238.60 

302.75 

52 

63.41 

120.91 

180.80 

243.31 

308.68 

53 

64.89 

123.41 

184.37 

248.00 

314.59 

54 

66.40 

125.92 

187.93 

252.68 

320.49 

55 

67.94 

128.42 

191.47 

257.34 

326.35 

56 

69.49 

130.95 

195.02 

261.97 

332.14 

57 

71.10 

133.50 

198.56 

266.55 

337.83 

58 

72.74 

136.05 

202.04 

271.02 

343.37 

59 

74.41 

138.58 

205.44 

275.36 

348.74 

60 

76.10 

141.05 

208.73 

279.53 

353.92 

61        77.81        143.49        211.93       283.56      358.88 


60 


COMB.  MEAN   RESERVES 

EXP. 

9  Payment  Life 


Years 


4% 


A^e 

6 

7 

8 

9 

21 

189.66 

225.78 

263.54 

303.04 

22 

193.63 

230.50 

269.07 

309.40 

23 

197.71 

235.37 

274.76 

315.90 

24 

201.92 

240.39 

280.63 

322.73 

25 

206.28 

245.59 

280.71 

329.72 

26 

210.77 

250.94 

292.97 

330.94 

27 

215.40 

'256.46 

299.43 

344.39 

28 

220.17 

262.16 

306.09 

352.08 

29 

225.09 

268.04 

312.98 

360.03 

30 

230.18 

274.11 

320.10 

368.24 

31 

235.42 

280.38 

327.44 

370.73 

32 

240.84 

286.85 

335.03 

385.50 

33 

246.43 

293.54 

342.88 

394.57 

34 

252.19 

300.44 

350.97 

403.95 

35 

258.20 

307.62 

359.39 

413.01 

36 

264.39 

315.02 

368.04 

423.55 

37 

270.79 

322.64 

370.91 

433.72 

38 

277.39 

330.46 

385.99 

444.11 

39 

284.15 

338.45 

395.25 

454.08 

40 

291.05 

346.58 

404.65 

405.45 

41 

298.03 

354.80 

414.19 

470.39 

42 

305.06 

363.10 

423.85 

487.51 

43 

312.13 

371.48 

433.63 

498.78 

44 

319.24 

379.94 

443.51 

510.21 

45 

326.40 

388.46 

453.49 

521.70 

46 

333.59 

397.03 

463.55 

533.44 

47 

340.82 

405.66 

473.69 

545.23 

48 

348.08 

414.33 

483.90 

557.13 

49 

355.37 

423.05 

494.17 

509.12 

50 

362.66 

431.77 

504.48 

581.20 

51 

369.94 

440.50 

514.83 

593.35 

52 

377.20 

449.24 

525.19 

005.53 

53 

384.45 

457.96 

535.54 

017.73 

54 

391.68 

460.64 

545.85 

029.92 

55 

398.83 

475.24 

556.09 

042.00 

56 

405.89 

483.72 

566.23 

654.15 

57 

412.82 

492.06 

576.24 

666.15 

58 

419.57 

500.23 

586.09 

678.05 

59 

426.14 

508.19 

595.74 

689.81 

60 

432.46 

515.91 

605.18 

701.43 

61  438.54  523.37  614.37  712.88 


51 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

19  Year  Endowment 

Years 

A^e. 

1 

2 

3 

4 

5 

21 

36.64 

71.28 

107.48 

145.32 

184.90 

22 

36.67 

71.30 

107.49 

145.32 

184.88 

23 

36.71 

71.32 

107.50 

145.32 

184.86 

24 

36.75 

71.34 

107.51 

145.31 

184.83 

25 

36.79 

71.37 

107.52 

145.30 

184.80 

26 

36.83 

71.40 

107.53 

145.29 

184.77 

27 

36.87 

71.43 

107.54 

145.28 

184.73 

28 

36.92 

71.46 

107.55 

145.27 

184.69 

29 

36.97 

71.49 

107.56 

145.25 

184.65 

30 

37.02 

71.53 

107.58 

145.25 

184.63 

31 

37.08 

71.58 

107.61 

145.27 

184.63 

32 

37.15 

71.64 

107.66 

145.30 

184.66 

33 

37.23 

71.72 

107.73 

145.37 

184.72 

34 

37.32 

71.82 

107.83 

145.47 

184.83 

35 

37.42 

71.94 

107.97 

145.62 

185.01 

36 

37.54 

72.09 

108.16 

145.84 

185.26 

37 

37.68 

72.28 

108.40 

146.13 

185.60 

38 

37.84 

72.51 

108.70 

146.51 

186.04 

39 

38.03 

72.80 

109.08 

146.97 

186.56 

40 

38.26 

73.15 

109.53 

147.50 

187.13 

41 

38.52 

73.54 

110.02 

148.08 

187.68 

42 

38.81 

73.96 

110.54 

148.61 

188.19 

43 

39.12 

74.37 

111.02 

149.10 

188.65 

44 

39.44 

74.78 

111.46 

149.54 

189.05 

45 

39.78 

75.18 

111.88 

149.94 

189.41 

46 

40.13 

75.58 

112.28 

150.32 

189.75 

47 

40.50 

76.00 

112.72 

150.75 

190.14 

48 

40.91 

76.46 

113.22 

151.23 

190.58 

49 

41.37 

76.98 

113.77 

151.77 

191.07 

50 

41.87 

77.55 

114.37 

152.37 

191.62 

51 

42.41 

78.18 

115.03 

153.03 

192.25 

52 

43.00 

78.87 

115.77 

153.77 

192.97 

53 

43.65 

79.63 

116.59 

154.61 

193.80 

54 

44.37 

80.48 

117.51 

155.58 

194.77 

55 

45.16 

81.42 

118.56 

156.70 

195.89 

56 

46.03 

82.47 

119.76 

157.97 

197.15 

57 

47.00 

83.64 

121.10 

159.37 

198.54 

58 

48.06 

84.94 

122.56 

160.89 

200.03 

59 

49.22 

86.35 

124.11 

162.51 

201.61 

60 

50.47 

87.85 

125.77 

164.23 

203.30 

61        51.81        89.45        127.55       166.07      205.11 


52 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

19  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

10 

21 

226.29 

269.59 

314.89 

362.30 

411.92 

22 

226.25 

269.53 

314.81 

362.20 

411.80 

23 

226.21 

269.47 

314.72 

362.09 

411.67 

24 

226.16 

269.39 

314.63 

361.97 

411.52 

25 

226.11 

269.31 

314.52 

361.83 

411.37 

26 

226.05 

269.22 

314.40 

361.69 

411.20 

27 

225.98 

269.13 

314.28 

361.54 

411.03 

28 

225.91 

269.04 

314.16 

361.40 

410.87 

29 

225.85 

268.95 

314.05 

361.27 

410.72 

30 

225.81 

268.88 

313.96 

361.16 

410.59 

31 

225.79 

268.84 

313.90 

361.09 

410.51 

32 

225.80 

268.84 

313.89 

361.08 

410.50 

33 

225.85 

268.90 

313.94 

361.14 

410.56 

34 

225.97 

269.03 

314.08 

361.30 

410.71 

35 

226.17 

269.25 

314.32 

361.55 

410.92 

36 

226.47 

269.58 

314.64 

361.86 

411.16 

37 

226.86 

269.99 

315.03 

362.20 

411.41 

38 

227.33 

270.46 

315.47 

362.53 

411.63 

39 

227.86 

270.97 

315.89 

362.84 

411.82 

40 

228.43 

271.45 

316.28 

363.11 

411.97 

41 

228.95 

271.88 

316.62 

363.32 

412.06 

42 

229.40 

272.24 

316.89 

863.45 

412.07 

43 

229.77 

272.53 

317.08 

363.51 

412.00 

44 

230.08 

272.76 

317.21 

363.50 

411.86 

45 

230.36 

272.96 

317.29 

363.45 

411.66 

46 

230.65 

273.16 

317.35 

363.38 

411.42 

47 

230.97 

273.38 

317.44 

363.32 

411.20 

48 

231.33 

273.63 

317.56 

363.28 

411.00 

49 

231.75 

273.93 

317.73 

363.30 

410.84 

50 

232.23 

274.29 

317.96 

363.37 

410.72 

51 

232.79 

274.73 

318.27 

363.51 

410.65 

52 

233.44 

275.28 

318.68 

363.73 

410.62 

53 

234.20 

275.96 

319.19 

364.01 

410.62 

54 

235.15 

276.76 

319.80 

364.36 

410.67 

55 

236.20 

277.67 

320.49 

364.76 

410.75 

56 

237.36 

278.68 

321.25 

365.22 

410.85 

57 

238.63 

279.78 

322.09 

365.74 

410.97 

58 

240.01 

280.96 

323.00 

366.30 

411.10 

59 

241.48 

282.21 

323.96 

366.88 

411.25 

60 

243.04 

283.55 

324.98 

367.50 

411.43 

61        244.71        284.99        326.08       368.19      411.66 


53 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

19  Year  Endowment 

Years 

A^e 

11 

12 

13 

14 

15 

21 

463.88 

518.31 

575.32 

635.08 

697.73 

22 

463.74 

518.15 

575.16 

634.91 

697.57 

23 

463.59 

517.98 

574.98 

634.73 

697.39 

24 

463.42 

517.80 

574.79 

634.54 

697.21 

25 

463.25 

517.61 

574.58 

634.33 

697.01 

26 

463.06 

517.41 

574.37 

634.11 

696.80 

27 

462.88 

517.20 

574.16 

633.91 

696.61 

28 

462.70 

517.01 

573.97 

633.73 

696.46 

29 

462.53 

516.84 

573.80 

633.57 

696.29 

30 

462.39 

516.70 

573.67 

633.44 

696.14 

31 

462.31 

516.61 

573.58 

633.32 

696.01 

32 

462.30 

516.59 

573.52 

633.23 

695.87 

33 

462.36 

516.61 

573.48 

633.12 

695.72 

34 

462.40 

516.65 

573.46 

633.02 

695.55 

35 

462.60 

516.72 

573.42 

632.90 

695.36 

36 

462.76 

516.77 

573.36 

632.75 

695.15 

37 

462.89 

516.79 

573.27 

632.57 

694.91 

38 

462.99 

516.77 

573.14 

632.35 

694.62 

39 

463.06 

516.72 

572.97 

632.08 

694.27 

40 

463.08 

516.62 

572.75 

631.74 

693.86 

41 

463.04 

516.45 

572.46 

631.33 

693.38 

42 

462.92 

516.18 

572.07 

630.83 

692.81 

43 

462.70 

515.82 

571.57 

630.23 

692.15 

44 

462.40 

515.38 

570.98 

629.55 

691.41 

45 

462.05 

514.87 

570.33 

628.80 

690.60 

46 

461.67 

514.32 

569.65 

628.00 

689.72 

47 

461.28 

513.79 

568.95 

627.16 

688.79 

48 

460.90 

513.22 

568.22 

626.26 

687.79 

49 

460.54 

512.67 

567.46 

625.31 

686.72 

50 

460.20 

512.07 

566.65 

624.31 

685.57 

51 

459.88 

511.50 

565.81 

623.24 

684.34 

52 

459.58 

510.90 

564.92 

622.10 

683.01 

53 

459.26 

510.28 

563.96 

620.87 

681.56 

54 

458.98 

509.64 

562.95 

619.55 

680.01 

55 

458.68 

508.95 

561.87 

618.12 

678.33 

56 

458.37 

508.21 

560.71 

616.59 

676.51 

57 

458.06 

507.43 

559.49 

614.96 

674.57 

58 

457.73 

506.61 

558.20 

613.23 

672.51 

59 

457.37 

505.75 

556.84 

611.38 

670.31 

60 

457.04 

504.85 

555.42 

609.44 

667.98 

61        456.75        503.99        553.96       607.44       065.53 


54 


COMB. 
EXP. 

MEAN   RESERVES 

19  Year  Endowment 

4% 

Years 

Atfe 

16 

17 

18 

19 

21 

703.45 

832.40 

904.77 

980.77 

22 

763.30 

832.28 

904.70 

980.77 

23 

763.14 

832.15 

904.62 

980.77 

24 

762.97 

832.02 

904.54 

980.77 

25 

762.80 

831.89 

904.47 

980.77 

26 

762.63 

831.76 

904.40 

980.77 

27 

762.46 

831.62 

904.31 

980.77 

28 

762.32 

831.50 

904.24 

980.77 

29 

762.16 

831.36 

904.15 

980.77 

30 

762.02 

831.23 

904.06 

980.77 

31 

761.87 

831.08 

903.95 

980.77 

32 

761.70 

830.92 

903.83 

980.77 

33 

761.51 

830.74 

903.70 

980.77 

34 

761.30 

830.54 

903.57 

980.77 

35 

761.08 

830.33 

903.43 

980.77 

36 

760.84 

830.10 

903.27 

980.77 

37 

760.55 

829.83 

903.08 

980.77 

38 

760.22 

829.52 

902.87 

980.77 

39 

759.83 

829.17 

902.64 

980.77 

40 

759.39 

828.77 

902.38 

980.77 

41 

758.89 

828.33 

902.10 

980.77 

42 

758.32 

827.83 

901.78 

980.77 

43 

757.67 

827.25 

901.42 

980.77 

44 

756.93 

826.60 

901.00 

980.77 

45 

756.12 

825.90 

900.54 

980.77 

46 

755.25 

825.14 

900.05 

980.77 

47 

754.31 

824.30 

899.51 

980.77 

48 

753.28 

823.39 

898.90 

980.77 

49 

752.18 

822.41 

898.25 

980.77 

50 

750.99 

821.34 

897.54 

980.77 

51 

749.71 

820.19 

896.78 

980.77 

52 

748.32 

818.96 

895.95 

980.77 

53 

746.80 

817.56 

895.04 

980.77 

54 

745.16 

816.07 

894.05 

980.77 

55 

743.39 

814.46 

892.97 

980.77 

56 

741.48 

812.70 

891.78 

980.77 

57 

739.42 

810.80 

890.48 

980.77 

58 

737.21 

808.76 

889.08 

980.77 

59 

734.83 

806.56 

887.57 

980.77 

60 

732.30 

804.22 

885.94 

980.77 

61  729.65  801.66  884.18  980.77 


55 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

14  Year   Endowment 

Years 

A^e 

1 

2 

3 

4 

5 

21 

54.43 

107.70 

163.43 

221.74 

282.78 

22 

54.45 

107.70 

163.41 

221.71 

282.73 

23 

54.47 

107.70 

163.39 

221.67 

282.67 

24 

54.49 

107.70 

163.37 

221.62 

282.60 

25 

54.52 

107.70 

163.34 

221.57 

282.52 

26 

54.55 

107.70 

163.31 

221.51 

282.43 

27 

54.58 

107.70 

163.28 

221.45 

282.34 

28 

54.61 

107.70 

163.25 

221.38 

282.24 

29 

54.64 

107.70 

163.21 

221.31 

282.13 

30 

54.67 

107.69 

163.17 

221.23 

282.01 

31 

54.70 

107.68 

163.12 

221.14 

281.89 

32 

54.74 

107.67 

163.07 

221.05 

281.77 

33 

54.78 

107.67 

163.03 

220.97 

281.66 

34 

54.82 

107.68 

163.00 

220.91 

281.57 

35 

54.87 

107.70 

162.99 

220.87 

281.50 

3G 

54.94 

107.74 

163.00 

220.86 

281.47 

37 

55.02 

107.80 

163.05 

220.90 

281.50 

38 

55.11 

107.89 

163.14 

221.00 

281.59 

39 

55.22 

108.02 

163.29 

221.16 

281.73 

40 

55.36 

108.19 

163.49 

221.35 

281.92 

41 

55.53 

108.40 

163.73 

221.58 

282.08 

42 

55.73 

108.63 

163.95 

221.75 

282.16 

43 

55.93 

108.85 

164.13 

221.85 

282.15 

44 

56.13 

109.05 

164.26 

221.87 

282.05 

45 

56.34 

109.22 

164.33 

221.83 

281.88 

4G 

56.56 

109.35 

164.36 

221.75 

281.67 

47 

56.80 

109.50 

164.40 

221.66 

281.48 

48 

57.06 

109.67 

164.45 

221.57 

281.20 

49 

57.35 

109.85 

164.51 

221.48 

280.94 

50 

57.66 

110.05 

164.57 

221.38 

280.66 

51 

57.99 

110.27 

164.64 

221.27 

280.37 

52 

58.37 

110.52 

164.73 

221.18 

280.07 

53 

58.78 

110.80 

164.85 

221.11 

279.79 

54 

59.24 

111.12 

165.01 

221.08 

279.55 

55 

59.75 

111.49 

165.22 

221.10 

279.35 

56 

60.31 

111.92 

165.51 

221.18 

279.17 

57 

60.93 

112.43 

165.87 

221.31 

279.01 

58 

61.62 

113.02 

166.27 

221.42 

278.82 

59 

62.39 

113.67 

166.69 

221.54 

278.60 

60 

63.24 

114.36 

167.13 

221.66 

278.35 

61        64.17        115.10        167.60       221.80       278.07 


66 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

14  Year  Endowment 

Years 

A^e 

6 

7 

8 

0 

10 

21 

346.C8 

413.60 

483.66 

557.06 

633.98 

22 

346.61 

413.50 

483.56 

556.95 

633.86 

23 

340.52 

413.39 

483.44 

556.83 

633.73 

24 

346.43 

413.28 

483.31 

556.69 

633.60 

25 

346.33 

413.16 

483.17 

556.54 

633.45 

26 

346.22 

413.03 

483.02 

556.38 

633.29 

27 

340.10 

412.88 

482.86 

556.21 

633.12 

28 

345.97 

412.73 

482.69 

550.03 

632.94 

29 

345.83 

412.57 

482.51 

555.84 

632.75 

30 

345.68 

412.39 

482.31 

555.64 

632.55 

31 

345.53 

412.21 

482.11 

555.43 

632.35 

32 

345.37 

412.03 

481.91 

555.23 

632.16 

33 

345.23 

411.87 

481.73 

555.05 

631.99 

34 

345.11 

411.73 

481.59 

554.90 

631.84 

35 

345.03 

411.63 

481.49 

554.79 

631.70 

36 

345.00 

411.60 

481.43 

554.70 

631.58 

37 

345.03 

411.62 

481.41 

554.61 

631.43 

38 

345.11 

411.64 

481.36 

554.49 

631.25 

39 

345.22 

411.67 

481.29 

554.34 

631.03 

40 

345.31 

411.65 

481.17 

554.14 

630.76 

41 

345.37 

411.60 

481.02 

553.87 

630.42 

42 

345.32 

411.48 

480.77 

553.52 

630.01 

43 

345.19 

411.24 

480.41 

553.08 

629.51 

44 

344.98 

410.89 

479.96 

552.55 

628.92 

45 

344.69 

410.46 

479.43 

551.93 

628.24 

46 

344.34 

409.97 

478.83 

551.23 

627.48 

47 

344.00 

409.47 

478.17 

550.46 

626.67 

48 

343.54 

408.87 

477.45 

549.62 

625.77 

49 

343.11 

408.26 

476.68 

548.73 

624.82 

50 

342.65 

407.61 

475.87 

547.79 

623.81 

51 

342.17 

406.93 

475.03 

546.80 

622.73 

52 

341.68 

406.23 

474.15 

545.75 

621.57 

53 

341.19 

405.53 

473.23 

544.64 

620.33 

54 

340.71 

404.81 

472.25 

543.46 

618.99 

55 

340.24 

404.06 

471.21 

542.19 

617.55 

56 

339.76 

403.26 

470.10 

540.82 

615.99 

57 

339.26 

402.41 

468.91 

539.33 

614.28 

58 

338.72 

401.49 

467.62 

537.69 

612.40 

59 

338.12 

400.47 

466.19 

535.87 

610.32 

60 

337.43 

399.33 

464.60 

533.88 

608.06 

61        336.68        398.07        462.87       531.74       605.64 


57 


COMB. 
EXP. 

MEAN    RESERVES 

4% 

14  Year  Endowuient 

Years 

A^e 

11 

12 

13 

14 

21 

714.59 

799.13 

887.77 

980.77 

22 

714.49 

799.04 

887.73 

980.77 

23 

714.37 

798.94 

887.67 

980.77 

24 

714.25 

798.84 

887.61 

■    980.77 

25 

714.11 

798.73 

887.54 

980.77 

26 

713.96 

798.61 

887.46 

980.77 

27 

713.81 

798.49 

887.38 

980.77 

28 

713.64 

798.36 

887.30 

980.77 

29 

713.47 

798.22 

887.22 

980.77 

30 

713.29 

798.07 

887.14 

980.77 

31 

713.11 

797.93 

887.06 

980.77 

32 

712.94 

797.79 

886.97 

980.77 

33 

712.78 

797.66 

886.88 

980.77 

34 

712.63 

797.53 

886.79 

980.77 

35 

712.48 

797.39 

886.69 

980.77 

36 

712.32 

797.22 

886.58 

980.77 

37 

712.14 

797.02 

886.44 

980.77 

38 

711.92 

796.80 

886.28 

980.77 

39 

711.66 

796.56 

886.11 

980.77 

40 

711.34 

796.28 

885.92 

980.77 

41 

710.97 

795.95 

885.70 

980.77 

42 

710.54 

795.56 

885.45 

980.77 

43 

710.04 

795.10 

885.16 

980.77 

44 

709.45 

794.58 

884.83 

980.77 

45 

708.78 

794.00 

884.46 

980.77 

46 

708.03 

793.37 

884.06 

980.77 

47 

707.22 

792.68 

883.62 

980.77 

48 

706.35 

791.94 

883.15 

980.77 

49 

705.42 

791.14 

882.64 

980.77 

50 

704.42 

790.27 

882.08 

980.77 

51 

703.33 

789.32 

881.46 

980.77 

52 

702.16 

788.28 

880.78 

980.77 

53 

700.90 

787.16 

880.05 

980.77 

54 

699.54 

785.94 

879.26 

980.77 

55 

698.06 

784.61 

878.39 

980.77 

56 

696.44 

783.17 

877.43 

980.77 

57 

694.66 

781.61 

876.38 

980.77 

58 

692.70 

779.83 

875.23 

980.77 

59 

690.56 

777.91 

873.96 

980.77 

60 

688.23 

775.82 

872.57 

980.77 

61  685.73  773.57  871.06  980.77 


58 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

9  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

3 

21 

93.12 

186.93 

285.14 

388.00 

495.73 

22 

93.13 

186.91 

285.10 

387.94 

495.66 

23 

93.14 

186.89 

285.06 

387.88 

495.59 

24 

93.15 

186.87 

285.02 

387.82 

495.51 

25 

93.16 

186.85 

284.97 

387.75 

495.43 

20 

93.17 

186.83 

284.92 

387.68 

495.34 

27 

93.18 

186.81 

284.87 

387.60 

495.25 

28 

93.20 

186.79 

284.81 

387.50 

495.14 

29 

93.22 

186.76 

284.74 

387.40 

495.02 

30 

93.24 

186.73 

284.67 

387.30 

494.90 

31 

93.20 

186.70 

284.59 

387.20 

494.77 

32 

93.28 

186.67 

284.51 

387.09 

494.64 

33 

93.30 

186.63 

284.42 

386.97 

494.50 

34 

93.32 

186.59 

284.33 

386.84 

494.35 

35 

93.34 

186.55 

284.24 

386.71 

494.20 

36 

93.36 

186.51 

284.15 

386.58 

494.05 

37 

93.39 

186.48 

284.07 

386.47 

493.92 

38 

93.42 

186.46 

284.01 

386.38 

493.81 

39 

93.47 

186.46 

283.98 

386.31 

493.71 

40 

93.54 

186.49 

283.99 

386.27 

493.63 

41 

93.63 

186.55 

284.02 

386.21 

493.51 

42 

93.73 

186.62 

284.02 

386.12 

493.34 

43 

93.84 

186.66 

283.98 

385.98 

493.09 

44 

93.95 

186.68 

283.89 

385.76 

492.76 

45 

94.00 

186.66 

283.73 

385.47 

492.37 

46 

94.17 

186.61 

283.52 

385.12 

491.92 

47 

94.29 

186.55 

283.28 

384.74 

491.43 

48 

94.42 

186.48 

283.02 

384.33 

490.91 

49 

94.57 

186.41 

282.74 

383.88 

490.34 

50 

94.73 

186.34 

282.43 

383.39 

489.70 

51 

94.90 

186.25 

282.09 

382.85 

489.00 

52 

95.08 

186.15 

281.73 

382.26 

488.24 

53 

95.28 

186.05 

281.35 

381.62 

487.43 

54 

95.50 

185.95 

280.94 

380.95 

486.58 

55 

95.75 

185.85 

280.51 

380.26 

485.69 

56     . 

96.03 

185.77 

280.09 

379.54 

484.74 

57 

96.35 

185.71 

279.67 

378.77 

483.71 

58 

96.71 

185.67 

279.22 

377.93 

482.58 

59 

97.11 

185.62 

278.72 

377.01 

481.32 

60 

97.55 

185.55 

278.15 

375.99 

479.92 

61         98.03        185.48        277.52       374.87       478.39 


59 


COMB. 
EXP. 

MEAN   RESERVES 

4% 

9  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

21 

608.59 

726.86 

850.82 

980.77 

22 

608.52 

726.79 

850.78 

980.77 

23 

608.45 

726.72 

850.74 

980.77 

24 

608.37 

726.65 

850.69 

980.77 

25 

608.28 

726.57 

850.64 

980.77 

26 

608.19 

726.49 

850.59 

980.77 

27 

608.09 

726.41 

850.54 

980.77 

28 

607.97 

726.31 

850.48 

980.77 

29 

607.85 

726.21 

850.41 

980.77 

30 

607.73 

726.10 

850.34 

980.77 

31 

607.60 

725.99 

850.26 

980.77 

32 

607.46 

725.87 

850.18 

980.77 

33 

607.32 

725.74 

850.10 

980.77 

34 

607.17 

725.61 

850.02 

980.77 

35 

607.02 

725.48 

849.94 

980.77 

3G 

606.87 

725.36 

849.86 

980.77 

37 

606.73 

725.23 

849.78 

980.77 

38 

606.60 

725.10 

849.69 

980.77 

39 

606.48 

724.96 

849.59 

980.77 

40 

606.34 

724.80 

849.47 

980.77 

41 

606.17 

724.61 

849.32 

980.77 

42 

605.95 

724.37 

849.14 

980.77 

43 

605.65 

724.08 

848.93 

980.77 

44 

605.27 

723.73 

848.69 

980.77 

45 

604.83 

723.33 

848.42 

980.77 

46 

604.34 

722.88 

848.12 

980.77 

47 

603.81 

722.39 

847.79 

980.77 

48 

603.23 

721.85 

847.43 

980.77 

49 

602.59 

721.26 

847.04 

980.77 

50 

601.89 

720.62 

846.62 

980.77 

51 

601.14 

719.92 

846.16 

980.77 

52 

600.32 

719.17 

845.66 

980.77 

53 

599.44 

718.36 

845.12 

980.77 

54 

598.50 

717.49 

844.53 

980.77 

55 

597.50 

716.55 

843.88 

980.77 

56 

596.42 

715.53 

843.17 

980.77 

57 

595.24 

714.41 

842.40 

980.77 

58 

593.94 

713.17 

841.55 

980.77 

59 

592.50 

711.80 

840.61 

980.77 

60 

590.92 

710.29 

839.58 

980.77 

61  589.19  708.63  838.45  980.77 


60 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

20  Year  Mortuary  Additions 

- 

Years 

A^e 

1 

2 

3 

4 

5 

20 

73.51 

71.55 

69.47 

67.26 

64.92 

21 

74.91 

72.94 

70.85 

68.63 

66.26 

22 

76.38 

74.41 

72.30 

70.06 

67.67 

23 

77.94 

75.95 

73.83 

71.57 

69.16 

24 

79.62 

77.63 

75.49 

73.21 

70.78 

25 

81.48 

79.47 

77.32 

75.03 

72.57 

2G 

.83.54 

81.53 

79.36 

77.05 

74.57 

27 

85.86 

83.84 

81.67 

79.34 

76.84 

28 

88.46 

86.45 

84.27 

81.93 

79.41 

29 

91.38 

89.36 

87.19 

84.84 

82.30 

30 

94.62 

92.62 

90.44 

88.09 

85.55 

31 

98.23 

96.24 

94.07 

91.73 

89.18 

32 

102.23 

100.26 

98.11 

95.78 

93.24 

33 

106.66 

104.72 

102.59 

100.28 

97.76 

34 

111.56 

109.65 

107.55 

105.26 

102.77 

35 

116.92 

115.06 

113.01 

110.76 

108.29 

3G 

122.82 

121.01 

119.01 

116.81 

114.39 

37 

129.27 

127.52 

125.58 

123.45 

121.09 

38 

136.28 

134.62 

132.76 

130.69 

128.39 

39 

143.91 

142.34 

140.57 

138.58 

136.31 

40 

152.19 

150.72 

149.04 

147.11 

144.85 

41 

161.18 

159.82 

158.22 

156.32 

154.05 

42 

170.91 

169.66 

168.11 

166.23 

163.93 

43 

181.43 

180.26 

178.76 

176.88 

174.55 

44 

192.74 

191.65 

190.20 

188.32 

185.96 

45 

204.90 

203.89 

202.47 

200.61 

198.24 

40 

217.95 

217.01 

215.65 

213.82 

211.44 

47 

231.93 

231.08 

229.79 

228.00 

225.62 

48 

246.88 

246.14 

244.93 

243.18 

240.82 

49 

262.82 

262.20 

261.07 

259.39 

257.05 

50 

279.74 

279.25 

278.22 

276.61 

274.31 

51 

297.66 

297.30 

296.40 

294.87 

292.63 

52 

316.55 

316.36 

315.59 

314.17 

312.00 

53 

336.42 

336.41 

335.80 

334.50 

332.43 

54 

357.22 

357.41 

356.97 

355.84 

353.89 

55 

378.92 

379.33 

379.10 

378.15 

376.35 

56 

401.45 

402.11 

402.12 

401.37 

399.72 

57 

424.74 

425.68 

425.93 

425.39 

423.90 

58 

448.71 

449.93 

450.45 

450.13 

448.84 

59 

473.25 

474.77 

475.56 

475.50 

474.43 

60 

498.19 

500.04 

501.13 

501.35 

500.54 

61 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

20  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

10 

20 

02.43 

59.79 

56.99 

54.00 

50.82 

21 

63.75 

61.08 

58.23 

55.20 

51.96 

22 

65.13 

62.43 

59.54 

56.45 

53.16 

23 

66.59 

63.85 

60.92 

57.78 

54.43 

24 

68.18 

65.39 

62.42 

59.23 

55.81 

25 

69.93 

67.11 

64.09 

60.85 

57.38 

26 

71.90 

69.04 

65.97 

62.68 

59.16 

27 

74.15 

71.25 

68.15 

64.81 

61.23 

28 

76.69 

73.77 

70.63 

67.25 

63.61 

29 

79.57 

76.62 

73.45 

70.03 

66.36 

30 

82.81 

79.84 

76.64 

73.20 

69.48 

31 

86.43 

83.46 

80.25 

76.77 

73.03 

32 

90.49 

87.51 

84.29 

80.80 

77.03 

33 

95.02 

92.04 

88.82 

85.32 

81.53 

34 

100.05 

97.09 

93.87 

90.37 

86.51 

35 

105.61 

102.67 

99.46 

95.92 

91.96 

36 

111.74 

108.83 

105.60 

101.98 

97.87 

37 

118.48 

115.57 

112.28 

108.54 

104.25 

38 

125.80 

122.85 

119.47 

115.57 

111.07 

39 

133.71 

130.69 

127.18 

123.10 

118.38 

40 

142.20 

139.09 

135.43 

131.16 

126.22 

41 

151.34 

148.11 

144.31 

139.86 

134.69 

42 

161.14 

157.81 

153.87 

149.24 

143.83 

43 

171.70 

168.27 

164.19 

159.38 

153.73 

44 

183.05 

179.54 

175.82 

170.32 

164.41 

45 

195.29 

191.68 

187.33 

182.13 

175.97 

46 

208.46 

204.76 

200.27 

194.88 

188.46 

47 

222.60 

218.82 

214.20 

208.61 

201.93 

48 

237.76 

233.91 

229.17 

223.39 

216.46 

49 

253.97 

250.07 

245.20 

239.25 

232.08 

50 

271.23 

267.27 

262.31 

256.20 

248.78 

51 

289.56 

285.58 

280.54 

274.27 

266.58 

52 

308.98 

304.99 

299.88 

293.44 

285.47 

53 

329.48 

325.49 

320.30 

313.70 

305.45 

54 

351.02 

347.04 

341.77 

335.01 

326.49 

55 

373.56 

369.59 

364.27 

357.36 

348.60 

56 

397.02 

393.09 

387.74 

380.71 

371.72 

57 

421.32 

417.46 

412.10 

404.99 

395.81 

58 

446.41 

442.65 

437.32 

430.16 

420.84 

59 

472.19 

468.50 

403.32 

456.16 

446.76 

60 

498.52 

495.08 

489.97 

482.88 

473.48 

62 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

20  Year  Mortuary  Additions 

Years 

Atfe 

11 

12 

13 

14 

15 

20 

47.43 

43.82 

39.97 

35.86 

31.49 

21 

48.51 

44.83 

40.91 

36.71 

32.24 

22 

49.65 

45.89 

41.89 

37.61 

33.03 

23 

50.85 

47.02 

42.93 

38.55 

33.88 

24 

52.16 

48.26 

44.08 

39.61 

34.84 

25 

53.66 

49.68 

45.42 

40.85 

35.97 

26 

55.37 

51.32 

46.97 

42.32 

37.33 

27 

57.38 

53.26 

48.83 

44.09 

39.00 

28 

59.71 

55.52 

51.02 

46.19 

40.99 

29 

62.40 

58.15 

53.58 

48.65 

43.30 

30 

65.48 

61.17 

56.52 

51.47 

45.91 

31 

68.99 

64.62 

59.85 

54.61 

48.79 

32 

72.95 

68.48 

63.55 

58.07 

51.93 

33 

77.36 

72.75 

67.61 

61.83 

55.32 

34 

82.22 

77.42 

72.01 

65.89 

59.00 

35 

87.50 

82.46 

76.74 

70.27 

62.95 

36 

93.21 

87.89 

81.84 

74.99 

67.23 

37 

99.34 

93.73 

87.34 

80.09 

71.86 

38 

105.90 

99.99 

93.24 

85.56 

76.82 

39 

112.94 

106.72 

99.59 

91.45 

82.16 

40 

120.51 

113.95 

106.42 

97.78 

87.92 

41 

128.70 

121.78 

113.82 

104.67 

94.19 

42 

137.54 

130.25 

121.84 

112.15 

101.02 

43 

147.12 

139.45 

130.57 

120.30 

108.49 

44 

157.49 

149.42 

140.04 

129.18 

116.66 

45 

168.72 

160.23 

150.35 

138.88 

125.60 

46 

180.87 

171.97 

161.57 

149.45 

135.33 

47 

194.01 

184.68 

173.74 

160.90 

145.87 

48 

208.21 

198.44 

186.90 

173.29 

157.29 

49 

223.48 

213.23 

201.05 

186.63 

169.60 

50 

239.81 

229.05 

216.19 

200.91 

182.80 

51 

257.22 

245.93 

232.37 

216.20 

196.93 

52 

275.71 

263.87 

249.60 

232.49 

212.03 

53 

295.29 

282.90 

267.89 

249.82 

228.12 

54 

315.94 

303.00 

287.25 

268.20 

245.23 

55 

337.66 

324.18 

307.70 

287.66 

263.43 

56 

360.43 

346.43 

329.23 

308.24 

282.75 

57 

384.20 

369.72 

351.85 

329.94 

303.19 

58 

408.96 

394.07 

375.59 

352.81 

324.82 

59 

434.69 

419.47 

400.45 

376.86 

347.09 

60 

461.31 

445.84 

426.36 

402.04 

371.76 

63 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

20  Year  Mortuary  Additions 

Years 

A^e 

16 

17 

18 

19 

20 

20 

26.83 

21.85 

16.55 

10.90 

4.87 

21 

27.47 

22.38 

16.96 

11.16 

4.98 

22 

28.15 

22.94 

17.38 

11.44 

5.10 

23 

28.89 

23.55 

17.85 

11.76 

5.24 

24 

29.73 

24.26 

18.42 

12.16 

5.41 

25 

30.74 

25.16 

19.15 

12.68 

5.62 

26 

31.99 

26.26 

20.05 

13.29 

5.87 

27 

33.53 

27.61 

21.14 

14.04 

6.17 

28 

35.35 

29.19 

22.40 

14.87 

6.50 

29 

37.44 

30.97 

23.78 

15.78 

6.86 

30 

39.76 

32.92 

25.28 

16.76 

7.24 

31 

42.30 

35.03 

26.90 

17.82 

7.66 

32 

45.04 

37.32 

28.60 

18.98 

8.12 

33 

48.01 

39.80 

30.58 

20.24 

8.63 

34 

51.23 

42.50 

32.67 

21.62 

9.18 

35 

54.70 

45.40 

34.91 

23.09 

9.77 

36 

58.46 

48.55 

37.34 

24.69 

10.42 

37 

62.53 

51.95 

39.98 

26.44 

11.12 

38 

66.88 

55.61 

42.82 

28.31 

11.86 

39 

71.58 

59.55 

45.87 

30.33 

12.69 

40 

76.66 

63.81 

49.18 

32.54 

13.58 

41 

82.20 

68.50 

52.86 

35.01 

14.58 

42 

88.26 

73.65 

56.92 

37.73 

15.68 

43 

94.92 

79.33 

61.39 

40.72 

16.88 

44 

102.22 

85.54 

66.27 

43.98 

18.19 

45 

110.19 

92.33 

71.60 

47.55 

19.63 

46 

118.87 

99.72 

77.42 

51.45 

21.19 

47 

128.29 

107.75 

83.75 

55.70 

22.89 

48 

138.50 

116.47 

90.63 

60.33 

24.75 

49 

149.53 

125.90 

98.09 

65.34 

26.75 

50 

161.36 

136.03 

106.09 

70.71 

28.89 

51 

174.06 

146.91 

114.71 

76.54 

31.22 

52 

187.64 

158.58 

124.00 

82.84 

33.73 

53 

202.15 

171.10 

134.02 

89.65 

36.44 

54 

217.64 

184.54 

144.79 

96.99 

39.37 

55 

234.19 

198.93 

156.38 

104.93 

42.53 

56 

251.82 

214.34 

168.85 

113.51 

45.94 

57 

270.56 

230.78 

182.22 

122.74 

49.60 

58 

290.49 

248.38 

196.60 

132.75 

53.59 

59 

311.68 

267.19 

212.11 

143.62 

57.90 

60 

334.11 

287.25 

228.75 

155.30 

62.53 

64 


COMB. 
EXP. 

MEAN 

RESERVES 

4^ 

13  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

54.48 

52.07 

49.52 

46.83 

43.98 

21 

55.44 

53.01 

50.44 

47.71 

44.84 

22 

56.46 

54.00 

51.40 

48.65 

45.73 

23 

57.52 

55.04 

52.41 

49.63 

46.67 

24 

58.63 

56.13 

53.47 

50.65 

47.66 

25 

59.80 

57.28 

54.58 

51.73 

48.68 

26 

.    61.03 

58.47 

55.74 

52.84 

49.75 

27 

62.31 

59.72 

56.96 

54.01 

50.87 

28 

63.67 

61.04 

58.24 

55.25 

52.05 

29 

65.14 

62.49 

59.64 

56.61 

53.35 

30 

66.79 

64.10 

61.22 

58.13 

54  83 

31 

68.65 

65.93 

63.00 

59.87 

56.52 

32 

70.77 

68.02 

65.07 

61.90 

58.49 

33 

73.20 

70.42 

67.43 

64.22 

60.77 

34 

75.94 

73.14 

70.12 

66.88 

63.39 

35 

79.02 

76.20 

73.17 

69.90 

66.37 

36 

82.46 

79.64 

76.59 

73.29 

69.74 

37 

86.30 

83.48 

80.41 

77.11 

73.53 

38 

90.57 

87.75 

84.68 

81.37 

77.76 

39 

95.29 

92.48 

89.42 

86.09 

82.42 

40 

100.47 

97.68 

94.62 

91.25 

87.49 

41 

106.15 

103.38 

1«).30 

96.85 

92.96 

42 

112.35 

109.58 

106.44 

102.90 

98.84 

43 

119.04 

116.24 

113.04 

109.36 

105.12 

44 

126.26 

123.42 

120.12 

116.29 

111.87 

45 

134.05 

131.14 

127.72 

123.75 

119.15 

46 

142.46 

139.48 

135.96 

131.84 

127.04 

47 

151.57 

148.51 

144.87 

140.60 

135.69 

48 

161.42 

158.29 

154.55 

150.11 

144.89 

49 

172.08 

168.87 

165.01 

160.40 

154.95 

50 

183.59 

180.31 

176.32 

171.54 

165.86 

51 

196.00 

192.65 

188.54 

183.59 

177.67 

52 

209.36 

205.93 

201.71 

196.59 

190.43 

53 

223.71 

220.23 

215.90 

210.60 

204.21 

54 

239.09 

235.56 

231.11 

225.66 

219.05 

55 

255.49 

251.91 

247.38 

241.78 

234.93 

56 

272.94 

269.34 

264.74 

258.99 

251.88 

57 

291.47 

287.86 

283.18 

277.26 

209.88 

58 

311.05 

307.45 

302.69 

296.60 

288.95 

59 

331.68 

328.07 

323.24 

316.99 

309.09 

60 

353.31 

349.72 

344.83 

338.44 

330.30 

65 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

13  Year  Mortuary  Additions 

> 

Years 

A^e 

6 

7 

8 

9 

10 

20 

40.98 

37.79 

34.43 

30.86 

27.08 

21 

41.79 

38.56 

35.14 

31.51 

27.66 

22 

42.04 

39.37 

35.89 

32.19 

28.27 

23 

43.54 

40.20 

36.66 

32.90 

28.89 

24 

44.47 

41.08 

37.48 

33.64 

29.55 

25 

45.45 

42.00 

38.32 

34.41 

30.24 

26 

40.46 

42.95 

39.20 

35.20 

30.94 

27 

47.52 

43.94 

40.12 

36.04 

31.69 

28 

48.64 

44.99 

41.10 

36.93 

32.48 

29 

49.88 

46.16 

42.18 

37.93 

33.39 

30 

51.29 

47.50 

43.45 

39.11 

34.47 

31 

52.92 

49.06 

44.94 

40.51 

35.77 

32 

54.84 

50.92 

46.72 

42.21 

37.38 

33 

57.07 

53.09 

48.82 

44.23 

39.29 

34 

59.64 

55.60 

51.27 

46.59 

41.51 

35 

62.57 

58.49 

54.07 

49.27 

44.00 

36 

65.91 

61.76 

57.24 

52.25 

46.73 

37 

69.65 

65.41 

00.73 

55.52 

49.70 

38 

73.81 

69.43 

64.54 

59.06 

52.89 

39 

78.35 

73.79 

68.66 

62.86 

56.33 

40 

83.26 

78.48 

73.06 

66.94 

60.03 

41 

88.54 

83.51 

77.80 

71.34 

64.02 

42 

94.21 

88.92 

82.91 

76.08 

68.34 

43 

100.27 

94.72 

88.39 

81.18 

72.98 

44 

106.79 

100.97 

94.30 

86.68 

77.97 

45 

113.83 

107.71 

100.68 

92.61 

83.37 

46 

121.47 

115.04 

107.61 

99.07 

89.28 

47 

129.77 

122.99 

115.16 

106.12 

95.72 

48 

138.77 

131.65 

123.39 

113.82 

102.79 

49 

148.55 

141.06 

132.34 

122.22 

110.54 

50 

159.16 

151.28 

142.09 

131.41 

119.01 

51 

170.65 

162.40 

152.73 

141.44 

128.25 

52 

183.10 

174.45 

164.28 

152.31 

138.27 

53 

196.58 

187.51 

176.77 

164.08 

149.13 

54 

211.09 

201.57 

190.23 

176.76 

160.84 

55 

226.62 

216.61 

204.63 

190.35 

173.40 

56 

243.20 

232.68 

220.03 

204.90 

186.86 

57 

260.82 

249.78 

236.45 

220.43 

201.26 

58 

279.51 

267.95 

253.91 

236.98 

216.62 

59 

299.26 

287.17 

272.42 

254.55 

232.97 

60 

320.10 

307.49 

292.02 

273.20 

250.41 

m 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

13  Yesir  Mortuary  Additions 

Years 

Aife 

11 

12 

13 

14 

Id 

20 

23.06 

18.81 

14.28 

9.48 

4.37 

21 

23.57 

19.22 

14.60 

9.69 

4.47 

22 

24.09 

19.65 

14.93 

9.90 

4.56 

23 

24.63 

20.09 

15.27 

10.13 

4.66 

24 

25.20 

20.56 

15.62 

10.36 

4.76 

25 

25.79 

21.05 

16.00 

10.61 

4.87 

26 

26.40 

21.55 

16.38 

10.86 

4.98 

27 

27.04 

22.08 

16.78 

11.13 

5.10 

28 

27.73 

22.65 

17.23 

11.44 

5.24 

20 

28.53 

23.34 

17.78 

11.83 

5.41 

30 

29.50 

24.19 

18.49 

12.33 

5.62 

31 

30.70 

25.25 

19.36 

12.93 

5.87 

32 

32.18 

26.56 

20.42 

13.66 

6.17 

83 

33.94 

28.08 

21.62 

14.46 

6.50 

34 

35.94 

29.79 

22.96 

15.34 

6.86 

85 

38.16 

31.66 

24.39 

16.29 

7.24 

86 

40.56 

33.66 

25.94 

17.31 

7.66 

87 

43.16 

35.82 

27.61 

18.42 

8.12 

88 

45.95 

38.17 

29.43 

19.63 

8.63 

30 

48.98 

40.71 

31.41 

20.95 

9.18 

40 

52.23 

43.44 

33.53 

22.36 

9.77 

41 

55.75 

46.40 

35.83 

23.90 

10.42 

42 

59.56 

49.60 

38.33 

25.57 

11.12 

43 

63.64 

53.04 

41.01 

27.35 

11.86 

44 

68.05 

56.76 

43.90 

29.29 

12.69 

45 

72.82 

60.78 

47.05 

31.41 

13.58 

46 

78.05 

65.21 

50.55 

33.78 

14.58 

47 

83.78 

70.10 

54.42 

36.40 

15.68 

48 

90.10 

75.50 

58.68 

39.28 

16.88 

49 

97.03 

81.42 

63.35 

42.42 

18.19 

50 

104.61 

87.88 

68.44 

45.86 

19.63 

51 

112.86 

94.92 

74.00 

49.63 

21.19 

52 

121.82 

102.57 

80.06 

53.72 

22.89 

53 

131.54 

110.89 

86.64 

58.18 

24.75 

54 

142.04 

119.88 

93.77 

63.01 

26.75 

55 

153.31 

129.54 

101.43 

68.19 

28.89 

56 

165.41 

139.93 

109.68 

73.81 

31.22 

67 

178.36 

151.07 

118.58 

79.89 

33.73 

58 

192.22 

163.04 

128.18 

86.46 

36.44 

59 

207.04 

175.90 

138.51 

93.54 

39.37 

60 

222.90 

189.70 

149.64 

101.23 

42.53 

67 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

10  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

35.97 

33.12 

30.11 

26.95 

23.61 

21 

36.54 

33.65 

30.61 

27.40 

24.02 

22 

37.14 

34.22 

31.13 

27.89 

24.46 

23 

37.77 

34.82 

31.70 

28.41 

24.92 

24 

38.44 

35.45 

32.29 

28.95 

25.41 

25 

39.15 

36.12 

32.92 

29.52 

25.93 

26 

39.90 

36.83 

33.57 

30.13 

26.47 

27 

40.68 

37.57 

34.26 

30.76 

27.03 

28 

41.50 

38.34 

34.98 

31.41 

27.61 

29 

42.36 

39.15 

35.73 

32.09 

28.22 

30 

43.26 

39.99 

36.51 

32.80 

28.85 

31 

44.19 

40.87 

37.32 

33.54 

29.51 

32 

45.17 

41.79 

38.17 

34.32 

30.21 

33 

46.21 

42.77 

39.08 

35.15 

30.95 

34 

47.36 

43.86 

40.10 

36.09 

31.81 

35 

48.69 

45.12 

41.30 

37.21 

32.83 

36 

50.22 

46.59 

42.70 

38.53 

34.06 

37 

52.03 

48.34 

44.38 

40.14 

35.58 

38 

54.12 

50.38 

46.35 

42.04 

37.39 

39 

56.52 

52.72 

48.64 

44.24 

39.45 

40 

59.23 

55.38 

51.23 

46.71 

41.74 

41 

62.27 

58.37 

54.11 

49.43 

44.24 

42 

65.64 

61.65 

57.25 

52.38 

46.92 

43 

69.33 

65.23 

60.67 

55.55 

49.80 

44 

73.36 

69.12 

64.35 

58.97 

52.92 

45 

77.72 

73.30 

68.30 

62.65 

56.27 

46 

82.44 

77.83 

72.58 

66.65 

59.92 

47 

87.55 

82.73 

77.23 

70.99 

63.88 

48 

93.06 

88.02 

82.25 

75.66 

68.15 

49 

99.02 

93.74 

87.67 

80.72 

72.76 

50 

105.46 

99.92 

93.53 

86.18 

77.75 

51 

112.46 

106.65 

99.91 

92.15 

83.21 

52 

120.08 

113.96 

106.87 

98.66 

89.18 

53 

128.36 

121.95 

114.47 

105.78 

95.74 

54 

137.37 

130.63 

122.74 

113.57 

102.93 

55 

147.16 

140.08 

131.77 

122.09 

110.80 

56 

157.77 

150.36 

141.62 

131.38 

119.38 

57 

169.28 

161.51 

152.31 

141.46 

128.68 

58 

181.72 

173.57 

163.86 

152.35 

138.74 

59 

195.11 

186.55 

176.30 

164.09 

149.59 

60 

209.43 

200.44 

189.61 

176.67 

161.24 

68 


COMB. 
EXP. 

MEAN 

RESERVES 

4% 

10  Year  Mortuary  Additions 

Years 

Atfe 

6 

7 

8 

9 

10 

20 

20.10 

16.39 

12.48 

8.35 

3.98 

21 

20.46 

16.69 

12.71 

8.50 

4.05 

22 

20.84 

17.01 

12.96 

8.67 

4.12 

23 

21.24 

17.35 

13.22 

8.84 

4.21 

24 

21.67 

17.70 

13.49 

9.03 

4.29 

25 

22.12 

18.07 

13.78 

9.21 

4.37 

26 

22.58 

18.46 

14.07 

9.41 

4.47 

27 

23.07 

18.86 

14.38 

9.62 

4.56 

28 

23.57 

19.27 

14.70 

9.83 

4.66 

29 

24.10 

19.71 

15.04 

10.06 

4.76 

80 

24.65 

20.16 

15.39 

10.30 

4.87 

31 

25.22 

20.64 

15.75 

10.54 

4.98 

32 

25.82 

21.13 

16.13 

10.80 

5.10 

33 

26.47 

21.68 

16.56 

11.09 

5.24 

34 

27.22 

22.32 

17.08 

11.47 

5.41 

35 

28.15 

23.14 

17.76 

11.95 

5.62 

36 

29.28 

24.15 

18.59 

12.53 

5.87 

37 

30.69 

25.39 

19.60 

13.23 

6.17 

38 

32.35 

26.83 

20.75 

14.00 

6.50 

39 

34.21 

28.42 

22.00 

14.83 

6.86 

40 

36.26 

30.15 

23.33 

15.72 

7.24 

41 

38.46 

31.99 

24.76 

16.69 

7.66 

42 

40.81 

33.97 

26.31 

17.73 

8.12 

43 

43.35 

36.11 

27.99 

18.87 

8.63 

44 

46.11 

38.44 

29.82 

20.11 

9.18 

45 

49.08 

40.96 

31.79 

21.44 

9.77 

46 

52.31 

43.69 

33.93 

22.89 

10.42 

47 

55.82 

46.65 

36.26 

24.48 

11.12 

48 

59.59 

49.84 

38.77 

26.17 

11.86 

49 

63.67 

53.30 

41.47 

28.01 

12.69 

50 

68.09 

57.04 

44.42 

30.02 

13.58 

51 

72.94 

61.17 

47.71 

32.28 

14.58 

52 

78.27 

65.74 

51.34 

34.77 

15.68 

53 

84.15 

70.79 

55.36 

37.52 

16.88 

54 

90.61 

76,31 

59.73 

40.50 

18.19 

55 

97.66 

82.34 

64.52 

43.77 

19.63 

56 

105.34 

88.92 

69.74 

47.35 

21.19 

57 

113.66 

96.05 

75.42 

51.23 

22.89 

58 

122.70 

103.81 

81.59 

55.47 

24.75 

59 

132.45 

112.19 

88.27 

60.05 

26.75 

60 

142.92 

121.19 

95.45 

64.97 

28.89 

American  Experience  3^^% 


11 


AMER. 
EXP. 

NET 

PREMIUMS 

35^% 

Ordinary 

19  Payment                  14  Payment 

9  Payment 

A^e 

Life 

Life 

Life 

Life 

21 

13.77 

21.76 

26.80 

37.87 

22 

14.08 

22.11 

27.29 

38.48 

23 

14.41 

22.48 

27.74 

39.11 

24 

14.75 

22.87 

28.21 

39.76 

25 

15.10 

23.27 

28.70 

40.44 

26 

15.48 

23.69 

29.20 

41.14 

27 

15.88 

24.12 

29.72 

41.87 

28 

16.29 

24.57 

30.27 

42.63 

29 

16.73 

25.03 

30.83 

43.41 

30 

17.19 

25.52 

31.42 

44.22 

31 

17.08 

26.02 

32.02 

45.06 

32 

18.19 

26.55 

32.66 

45.93 

33 

18.73 

27.10 

33.31 

46.83 

34 

19.30 

27.67 

33.99 

47.77 

35 

19.91 

28.27 

34.70 

48.74 

30 

20.55 

28.89 

35.44 

49.74 

37 

21.22 

29.54 

36.20 

50.78 

38 

21.94 

30.23 

37.00 

51.86 

39 

22.70 

30.94 

37.83 

52.98 

40 

23.50 

31.69 

38.70 

54.14 

41 

24.36 

32.48 

39.00 

55.35 

42 

25.26 

33.30 

40.54 

56.60 

43 

26.23 

34.17 

41.53 

57.89 

44 

27.26 

35.09 

42.56 

59.24 

45 

28.35 

36.06 

43.64 

60.64 

46 

29.51 

37.09 

44.77 

62.10 

47 

30.75 

38.17 

45.96 

63.61 

48 

32.07 

39.33 

47.21 

65.18 

49 

33.48 

40.55 

48.52 

66.82 

50 

34.99 

41.84 

49.89 

68.52 

51 

36.59 

43.22 

51.34 

70.28 

52 

38.29 

44.69 

52.86 

72.12 

53 

40.11 

46.25 

54.47 

74.02 

54 

42.06 

47.91 

56.16 

76.00 

55 

44.13 

49.69 

57.95 

78.06 

56 

46.34 

51.00 

59.84 

80.21 

57 

48.71 

53.64 

61.84 

82.45 

58 

51.23 

55.83 

63.97 

84.78 

59 

53.94 

58.19 

66.24 

87.23 

60 

56.83 

60.72 

68.66 

89.79 

61 

59.92 

63.44 

71.25 

92.48 

62 

63.23 

63 

66.78 

64 

70.58 

65 

74.65 

66 


79.02 


72 


AMER. 
EXP. 

NET 

PREMIUMS 

31 

Vi% 

Endowments. 

Mortuary  Additions. 

Atfe 

19  Yrs. 

14  Yrs. 

9  Yrs. 

20  Yrs. 

15  Yrs. 

10  Yrs. 

20 

76.21 

58.26 

40.44 

21 

41.3G 

58.98 

97.05 

77.19 

58.84 

40.77 

22 

41.40 

59.01 

97.08 

78.25 

59.47 

41.12 

23 

41.45 

59.05 

97.11 

79.41 

60.15 

41.49 

24 

41.50 

59.09 

97.14 

80.68 

60.90 

41.90 

25 

41.55 

59.13 

97.17 

82.08 

61.72 

42.34 

26 

41.61 

59.18 

97.21 

83.62 

62.62 

42.81 

27 

41.07 

59.23 

97.25 

85.33 

63.59 

43.33 

28 

41.74 

59.28 

97.29 

87.24 

64.66 

43.89 

29 

41.82 

59.34 

97.33 

89.36 

65.83 

44.51 

30 

41.90 

59.40 

97.38 

91.76 

67.13 

45.19 

31 

41.99 

59.47 

97.44 

94.45 

68.56 

45.93 

32 

42.09 

59.55 

97.49 

97.49 

70.16 

46.75 

33 

42.21 

59.63 

97.56 

100.91 

71.95 

47.64 

34 

42.33 

59.73 

97.63 

104.74 

73.95 

48.62 

35 

42.47 

59.83 

97.71 

109.03 

76.22 

49.72 

36 

42.03 

59.95 

97.79 

113.83 

78.78 

50.93 

37 

42.80 

60.07 

97.89 

119.19 

81.68 

52.29 

38 

43.00 

60.22 

97.99 

125.16 

84.95 

53.81 

39 

43.22 

60.38 

98.10 

131.79 

88.62 

55.53 

40 

43.47 

60.56 

98.23 

139.13 

92.75 

57.49 

41 

43.75 

60.76 

98.37 

147.24 

97.38 

59.71 

42 

44.06 

60.99 

98.54 

156.19 

102.55 

62.25 

43 

44.42 

61.25 

98.72 

166.03 

108.31 

65.12 

44 

44.82 

61.54 

98.93 

176.82 

114.71 

68.35 

45 

45.26 

61.88 

99.16 

188.61 

121.79 

71.98 

46 

45.77 

62.25 

99.43 

201.49 

129.62 

76.04 

47 

46.34 

62.68 

99.74 

215.50 

138.26 

80.57 

48 

46.97 

63.16 

100.09 

230.69 

147.75 

85.61 

49 

47.68 

63.70 

100.49 

247.12 

158.16 

91.20 

50 

48.47 

04.30 

100.93 

264.82 

169.55 

97.37 

51 

49.35 

64.98 

101.43 

283.81 

181.99 

104.20 

52 

50.33 

65.73 

101.99 

304.08 

195.55 

111.71 

53 

51.42 

66.57 

102.61 

325.57 

210.29 

119.99 

54 

52.62 

67.50 

103.30 

348.18 

226.28 

129.07 

55 

53.96 

68.53 

104.07 

371.80 

243.57 

139.02 

56 

55.43 

69.68 

104.92 

396.34 

262.20 

149.94 

57 

57.07 

70.96 

105.87 

421.68 

282.17 

161.86 

58 

58.87 

72.38 

106.93 

447.78 

303.43 

174.88 

59 

60.85 

73.96 

108.10 

474.58 

325.90 

189.07 

60 

63.03 

75.71 

109.41 

502.00 

349.48 

204.49 

61 


65.43 


77.64 


110.86 


73 


AMER. 
EXP. 

TERMINAL 

RESERVES           ^ 

J  54% 

19  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

14.78 

30.15 

46.13 

62.76 

80.05 

22 

15.10 

30.80 

47.14 

64.13 

81.79 

23 

15.44 

31.49 

48.19 

65.55 

83.60 

24 

15.79 

32.20 

49.27 

67.02 

85.47 

25 

16.15 

32.94 

50.39- 

68.54 

87.41 

26 

16.52 

33.69 

51.55 

70.10 

89.40 

27 

16.90 

34.48 

52.74 

71.74 

91.48 

28 

17.31 

35.29 

53.98 

73.41 

93.60 

29 

17.71 

36.12 

55.25 

75.13 

95.79 

30 

18.14 

36.99 

56.57 

76.92 

98.06 

31 

18.58 

37.89 

57.93 

78.76 

100.40 

32 

19.04 

38.80 

59.33 

80.66 

102.81 

33 

19.50 

39.75 

60.79 

82.62 

105.30 

34 

19.99 

40.74 

62.29 

84.65 

107.86 

35 

20.49 

41.76 

63.83 

86.73 

110.50 

36 

21.01 

42.81 

65.41 

88.87 

113.20 

37 

21.54 

43.88 

67.05 

91.07 

115.99 

38 

22.08 

44.99 

68.72 

93.34 

118.85 

39 

22.65 

46.13 

70.46 

95.68 

121.82 

40 

23.23 

47.31 

72.25 

98.09 

124.85 

41 

23.84 

48.53 

74.11 

100.57 

127.97 

42 

24.47 

49.80 

76.00 

103.12 

131.15 

43 

25.12 

51.09 

77.95 

105.71 

134.39 

44 

25.77 

52.42 

79.93 

108.35 

137.68 

45 

26.46 

53.77 

81.95 

111.02 

140.98 

46 

27.14 

55.13 

83.99 

113.70 

144.27 

47 

27.84 

56.53 

86.04 

116.38 

147.57 

48 

28.55 

57.90 

88.06 

119.04 

150.84 

49 

29.24 

59.27 

90.08 

121.68 

154.09 

50 

29.94 

60.64 

92.10 

124.32 

157.32 

51 

30.64 

62.01 

94.12 

126.96 

160.55 

52 

31.34 

63.39 

•      96.14 

129.59 

163.75 

53 

32.06 

64.77 

98.16 

132.20 

166.92 

54 

32.76 

66.16 

100.17 

134.80 

170.08 

55 

33.48 

67.55 

102.19 

137.41 

173.22 

56 

34.20 

68.93 

104.21 

140.00 

176.32 

57 

34.93 

70.34 

106.23 

142.58 

179.38 

58 

35.67 

71.75 

108.25 

145.13 

182.41 

59 

36.40 

73.16 

110.24 

147.65 

185.39 

60 

37.14 

74.56 

112.23 

150.15 

188.32 

61        37.88        75.95        114.21       152.62       191.17 


74 


AMER. 
EXP. 

1 

TERMINAL 

RESERVES           ^ 

y/2% 

19  Payment  Life 

Years 

Atfe 

6 

7 

8 

9 

10 

21 

98.04 

116.75 

136.22 

156.46 

177.53 

22 

100.17 

119.29 

139.17 

159.85 

181.36 

23 

102.38 

121.91 

142.22 

163.34 

185.32 

24 

104.66 

124.62 

145.38 

166.97 

189.41 

25 

107.02 

127.43 

148.64 

170.70 

193.63 

26 

109.46 

130.32 

152.00 

174.55 

198.00 

27 

111.99 

133.32 

155.49 

178.51 

202.50 

28 

114.58 

136.39 

159.07 

182.63 

207.13 

29 

117.26 

139.57 

162.75 

186.85 

211.89 

30 

120.03 

142.85 

166.56 

191.19 

216.79 

31 

122.88 

146.23 

170.48 

195.67 

221.84 

32 

125.82 

149.70 

174.51 

200.26 

227.01 

33 

128.84 

153.28 

178.64 

204.99 

232.34 

34 

131.96 

156.96 

182.91 

209.85 

237.82 

35 

135.15 

160.74 

187.29 

214.85 

243.43 

36 

138.44 

164.63 

191.79 

219.96 

249.18 

37 

141.83 

168.63 

196.41 

225.21 

255.06 

38 

145.31 

172.72 

201.13 

230.56 

261.05 

39 

148.89 

176.93 

205.97 

236.03 

267.15 

40 

152.56 

181.23 

210.90 

241.59 

273.32 

41 

156.30 

185.61 

215.91 

247.22 

279.55 

42 

160.13 

190.07 

220.98 

252.88 

285.82 

43 

104.01 

194.56 

226.07 

258.58 

292.10 

44 

167.91 

199.07 

231.18 

264.27 

298.38 

45 

171.82 

203.58 

236.27 

269.94 

304.61 

46 

175.72 

208.07 

241.34 

275.57 

310.81 

47 

179.62 

212.56 

246.40 

281.18 

316.95 

48 

183.48 

216.98 

251.38 

286.69 

322.99 

49 

187.31 

221.38 

256.30 

292.14 

328.94 

50 

191.12 

225.72 

261.16 

297.50 

334.77 

51 

194.89 

•    230.02 

265.97 

302.78 

340.51 

52 

198.63 

234.27 

270.69 

307.95 

346.09 

53 

202.33 

238.45 

275.32 

312.98 

351.51 

54 

205.99 

242.57 

279.85 

317.89 

356.78 

55 

209.61 

246.63 

♦       284.29 

322.69 

361.89 

56 

213.17 

250.58 

288.61 

327.31 

366.76 

57 

216.67 

254.46 

292.81 

331.76 

371.41 

58 

220.11 

258.24 

296.85 

336.00 

375.80 

5» 

223.47 

261.89 

300.72 

340.02 

379.89 

60 

226.72 

265.39 

304.38 

343.75 

383.64 

61        229.86        268.73        307.80       347.18       387.00 


75 


AMER. 
EXP. 

TERMINAL 

RESERVES            ; 

J^% 

19  Payment  Life 

Years 

A^e 

n 

12 

13 

14 

15 

21 

199.45 

222.25 

245.97 

270.66 

296.36 

22 

203.74 

227.02 

251.24 

276.45 

302.67 

23 

208.17 

231.95 

256.08 

282.42 

309.19 

24 

212.76 

237.05 

262.31 

288.59 

315.92 

25 

217.49 

242.30 

268.11 

294.94 

322.86 

26 

222.37 

247.72 

274.08 

301.49 

329.99 

27 

227.42 

253.31 

280.24 

308.24 

337.35 

28 

232.58 

259.05 

286.55 

315.15 

344.89 

29 

237.91 

264.94 

293.05 

322.27 

352.65 

30 

243.38 

271.01 

299.73 

329.58 

360.60 

31 

249.02 

277.26 

306.61 

337.09 

368.78 

32 

254.80 

283.66 

313.63 

344.78 

377.12 

33 

260.74 

290.23 

320.86 

352.65 

385.67 

34 

266.84 

296.98 

328.24 

360.70 

394.38 

35 

273.10 

303.86 

335.78 

368.90 

403.25 

36 

279.48 

310.89 

343.46 

377.23 

412.23 

37 

285.99 

318.05 

351.26 

385.66 

421.33 

38 

292.02 

325.30 

359.14 

394.19 

430.50 

39 

299.34 

332.64 

367.11 

402.79 

439.76 

40 

306.12 

340.04 

375.13 

411.44 

449.05 

41 

312.96 

347.49 

383.18 

420.12 

458.38 

42 

319.82 

354.95 

391.25 

428.80 

467.69 

43 

326.70 

362.41 

399.31 

437.47 

476.99 

44 

333.55 

369.84 

407.32 

446.08 

486.20 

45 

340.35 

377.20 

415.25 

454.60 

495.36 

46 

347.09 

384.49 

423.10 

463.02 

504.38 

47 

353.77 

391.71 

430.86 

471.34 

513.29 

48 

360.32 

398.77 

438.44 

479.46 

521.95 

49 

366.76 

405.71 

445.87 

487.36 

530.49 

50 

373.07 

412.46 

453.09 

495.12 

538.75 

51 

379.23 

419.06 

460.11 

502.61 

546.77 

52 

385.17 

425.45 

466.93 

509.81 

554.45 

53 

391.00 

431.60 

473.44 

516.75 

561.82 

54 

396.61 

437.50 

479.66 

523.33 

568.81 

55 

401.99 

443.15 

485.58 

529.54 

575.41 

56 

407.09 

448.46 

491.09 

535.31 

581.50 

57 

411.90 

453.41 

496.20 

540.61 

587.11 

58 

416.39 

457.99 

500.85 

545.41 

592.22 

59 

420.52 

462.11 

505.01 

549.71 

596.85 

60 

424.21 

465.75 

508.67 

553.51 

601.01 

61        427.47        468.93        511.87       556.89       604.75 


76 


AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

19  Payment  Life 

Years 

A^e 

16 

17 

18 

19 

21 

323.09 

350.93 

379.89 

410.03 

22 

329.97 

358.37 

387.93 

418.69 

23 

337.05 

366.04 

396.21 

427.62 

24 

344.37 

373.96 

404.76 

436.81 

25 

351.89 

382.11 

413.55 

446.28 

26 

359.65 

390.50 

422.61 

456.00 

27 

367.60 

399.11 

431.88 

466.00 

28 

375.82 

407.96 

441.43 

476.26 

29 

384.23 

417.08 

451.24 

486.77 

30 

392.85 

426.38 

461.25 

497.52 

31 

401.71 

435.93 

471.51 

508.49 

32 

410.73 

445.65 

481.94 

519.67 

33 

419.95 

455.57 

492.57 

531.04 

34 

429.35 

465.65 

503.37 

542.58 

35 

438.89 

475.89 

514.33 

554.30 

36 

448.55 

486.25 

525.41 

566.15 

37 

458.32 

496.72 

536.62 

578.13 

38 

468.17 

507.26 

547.91 

590.22 

39 

478.09 

517.90 

559.28 

602.39 

40 

488.06 

528.57 

570.71 

614.63 

41 

498.05 

539.26 

582.17 

626.92 

42 

508.03 

549.96 

593.64 

639.24 

43 

518.00 

560.64 

605.09 

651.55 

44 

527.87 

571.26 

616.46 

663.83 

45 

537.68 

581.75 

627.78 

676.07 

46 

547.35 

592.13 

638.99 

688.24 

47 

556.90 

602.37 

650.07 

700.30 

48 

566.23 

612.46 

660.97 

712.23 

49 

575.34 

622.31 

671.68 

724.01 

50 

584.23 

631.90 

682.18 

735.60 

51 

592.82 

641.20 

692.38 

746.98 

52 

601.08 

650.22 

702.29 

758.13 

53 

609.02 

658.83 

711.89 

769.04 

54 

616.54 

667.07 

721.13 

779.72 

55 

623.61 

674.88 

730.03 

790.18 

56 

630.24 

682.28 

738.58 

800.48 

57 

636.36 

689.24 

746.85 

810.62 

58 

642.03 

695.81 

754.79 

820.64 

59 

647.26 

702.02 

762.46 

830.54 

60 

652.05 

707.77 

769.83 

840.32 

61  656.43  713.21  776.88  849.97 


77 


AMER. 
EXP. 

TERMINAL 

RESERVES          ; 

J5^% 

14  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

20.10 

41.02 

62.79 

85.45 

109.05 

22 

20.50 

41.84 

64.05 

87.17 

111.24 

23 

20.92 

42.70 

65.37 

88.96 

113.52 

24 

21.36 

43.59 

66.72 

90.80 

115.87 

25 

21.81 

44.51 

68.13 

92.71 

118.30 

26 

22  30 

45.45 

69.58 

94.68 

120.81 

27 

22.75 

46.44 

71.07 

96.71 

123.40 

28 

23.26 

47.45 

72.62 

98.82 

126.08 

29 

23.76 

48.49 

74.22 

100.99 

128.84 

30 

24.30 

49.57 

75.87 

103.22 

131.69 

31 

24.85 

50.69 

77.57 

105.53 

134.62 

32 

25.41 

51.83 

79.31 

107.91 

137.65 

33 

25.99 

53.01 

81.12 

110.35 

140.76 

34 

26.59 

54.24 

82.98 

112.88 

143.96 

35 

27.21 

55.50 

84.91 

115.47 

147.25 

36 

27.84 

56.78 

86.86 

118.12 

150.61 

37 

28.50 

58.11 

88.88 

120.85 

154.09 

38 

29.16 

59.46 

90.94 

123.65 

157.63 

39 

29.86 

60.86 

93.07 

126.52 

161.28 

40 

30.56 

62.29 

95.25 

129.48 

165.02 

41 

31.29 

63.77 

97.49 

132.50 

168.84 

42 

32.03 

65.28 

99.78 

135.58 

172.72 

43 

32.81 

66.83 

102.12 

138.72 

176.67 

44 

33.58 

68.41 

104.49 

141.91 

180.67 

45 

34.38 

70.00 

106.89 

145.10 

184.66 

46 

35.18 

71.61 

109.31 

148.31 

188.65 

47 

36.00 

73.23 

111.72 

151.50 

192.63 

48 

36.81 

74.83 

114.10 

154.66 

196.56 

49 

37.60 

76.40 

116.45 

157.78 

200.46 

50 

38.39 

77.96 

118.77 

160.86 

204.29 

51 

39.17 

79.51 

121.08 

163.91 

208.08 

52 

39.94 

81.04 

123.34 

166.90 

211.78 

53 

40.70 

82.54 

125.56 

169.82 

215.40 

54 

41.45 

84.01 

127.73 

172.67 

218.93 

55 

42.19 

85.45 

129.85 

175.46 

222.35 

56 

42.90 

86.85 

131.91 

178.14 

225.64 

57 

43.60 

88.22 

133.91 

180.73 

228.79 

58 

44.29 

89.55 

135.83 

183.21 

231.79 

59 

44.95 

90.82 

137.65 

185.54 

234.62 

60 

45.59 

92.03 

139.39 

187.76 

237.28 

61  46.20  93.18  141.03  189.84  239.72 


78 


AMER. 
EXP. 

TERMINAL 

RESERVES          ' 

y/:i% 

14  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

133.62 

159.20 

185.84 

213.58 

242.47 

22 

136.30 

162.40 

189.56 

217.85 

247.32 

23 

139.09 

165.71 

193.43 

222.29 

252.35 

24 

141.97 

169.13 

197.42 

226.87 

257.53 

25 

144.94 

172.67 

201.54 

231.60 

262.89 

26 

148.00 

176.32 

205.78 

236.46 

268.42 

27 

151.18 

180.09 

210.18 

241.51 

274.13 

28 

154.45 

183.97 

214.71 

246.71 

280.02 

29 

157.82 

187.99 

219.38 

252.06 

286.08 

30 

161.31 

192.13 

224.20 

257.58 

292.33 

31 

164.89 

196.38 

229.15 

263.25 

298.74 

82 

168.59 

200.77 

234.25 

269.09 

305.36 

33 

172.38 

205.27 

239.49 

275.09 

312.14 

34 

176.28 

209.90 

244.87 

281.25 

319.12 

35 

180.30 

214.66 

250.40 

287.59 

326.28 

36 

184.40 

219.53 

256.07 

294.06 

333.59 

37 

188.63 

224.55 

261.89 

300.72 

341.10 

38 

192.96 

229.67 

267.83 

307.49 

348.73 

39 

197.39 

234.92 

273.90 

314.41 

356.52 

40 

201.93 

240.27 

280.09 

321.45 

364.42 

41 

206.56 

245.72 

286.38 

328.59 

372.42 

42 

211.26 

251.24 

292.73 

335.78 

380.48 

43 

216.02 

256.83 

299.13 

343.03 

388.61 

44 

220.80 

262.44 

305.58 

350.28 

396.78 

45 

225.62 

268.03 

311.99 

357.58 

404.91 

46 

230.40 

273.63 

318.40 

364.83 

413.04 

47 

235.17 

279.19 

324.78 

372.05 

421.13 

48 

239.88 

284.69 

331.09 

379.20 

429.14 

49 

244.54 

290.14 

337.33 

386.26 

437.08 

50 

249.14 

295.49 

343.46 

393.20 

444.88 

51 

253.65 

300.75 

349.50 

400.04 

452.57 

52 

258.08 

305.91 

355.39 

406.71 

460.04 

53 

262.39 

310.92 

361.12 

413.18 

467.35 

54. 

266.59 

315.78 

366.66 

419.45 

474.42 

55 

270.63 

320.45 

371.99 

425.49 

481.22 

56 

274.52 

324.93 

377.10 

431.26 

487.72 

57 

278.22 

329.20 

381.94 

436.71 

493.88 

58 

281.74 

333.23 

386.48 

441.82 

499.66 

59 

285.03 

336.96 

390.68 

446.54 

504.99 

60 

288.08 

340.40 

394.53 

450.85 

509.87 

61  290.86  343.50  397.96  454.68  514.22 


79 


AMER. 
EXP. 

TERMINAL   RESERVES 

3y:t% 

14  Payment  Life 

Years 

Aie 

11 

12 

13 

14 

21 

272.56 

303.90 

336.54 

370.55 

22 

278.00 

309.96 

343.25 

377.95 

23 

283.65 

316.25 

350.22 

385.60 

24 

289.47 

322.74 

357.39 

393.49 

25 

295.49 

329.44 

364.80 

401.63 

26 

301.69 

336.34 

372.43 

410.03 

27 

308.10 

343.47 

380.32 

418.69 

28 

314.70 

350.82 

388.43 

427.62 

29 

321.50 

358.38 

396.79 

436.81 

30 

328.50 

366.17 

405.41 

446.28 

31 

335.70 

374.17 

414.25 

456.00 

32 

343.11 

382.42 

423.36 

466.00 

33 

350.72 

390.88 

432.70 

476.26 

34 

358.53 

399.56 

442.27 

486.77 

35 

366.54 

408.45 

452.08 

497.52 

36 

374.71 

417.52 

462.08 

508.49 

37 

383.10 

426.81 

472.31 

519.67 

38 

391.62 

436.24 

482.67 

531.04 

39 

400.30 

445.82 

493.22 

542.58 

40 

409.08 

455.54 

503.90 

554.30 

41 

417.98 

465.37 

514.71 

566.15 

42 

426.94 

475.27 

525.61 

578.13 

43 

435.97 

485.25 

536.61 

590.22 

44 

445.02 

495.27 

547.66 

602.39 

45 

454.11 

505.33 

558.76 

614.63 

46 

463.16 

515.36 

569.87 

626.92 

47 

472.17 

525.38 

580.98 

639.24 

48 

481.12 

535.34 

592.04 

651.55 

49 

489.99 

545.22 

603.05 

663.83 

50 

498.72 

554.96 

613.94 

676.07 

51 

507.32 

564.58 

624.75 

688.24 

52 

515.70 

574.01 

635.37 

700.30 

53 

523.92 

583.27 

645.84 

712.23 

54 

531.89 

592.27 

656.08 

724.01 

55 

539.56 

600.98 

666.07 

735.60 

56 

546.92 

609.38 

675.78 

746.98 

57 

553.91 

617.41 

685.16 

758.13 

58 

560.50 

625.05 

694.18 

769.04 

59 

566.63 

632.22 

702.80 

779.72 

60 

572.27 

638.93 

711.06 

790.18 

61  577.37  645.16  718.95  800.48 


80 


AMER. 
EXP. 

TERMINAL 

RESERVES          1 

4 

y/M 

9  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

S 

21 

31.59 

64.50 

98.79 

134.51 

171.74 

22 

32.18 

65.70 

100.62 

137.01 

174.93 

23 

32.78 

66.94 

102.52 

139.59 

178.22 

24 

33.41 

68.22 

104.49 

142.27 

181.64 

25 

34.07 

69.55 

106.52 

145.04 

185.17 

26 

34.74 

70.92 

108.62 

147.89 

188.82 

27 

35.43 

72.34 

110.79 

150.84 

192.59 

28 

36.15 

73.81 

113.03 

153.90 

196.49 

29 

36.89 

75.31 

115.35 

157.05 

200.50 

30 

37.66 

70.88 

117.74 

160.31 

204.66 

31 

38.45 

78.50 

120.21 

163.66 

208.95 

32 

39.27 

80.15 

122.75 

167.13 

213.36 

33 

40.10 

81.87 

125.38 

170.70 

217.92 

34 

40.97 

83.64 

128.08 

174.38 

222.61 

35 

41.87 

85.46 

130.87 

178.16 

227.43 

36 

42.78 

87.33 

133.72 

182.04 

232.38 

37 

43.73 

89.26 

136.67 

186.04 

237.48 

38 

44.69 

91.22 

139.67 

190.13 

242.70 

39 

45.69 

93.25 

142.77 

194.35 

248.08 

40 

46.70 

95.32 

145.94 

198.66 

253.57 

41 

47.75 

97.46 

149.20 

203.08 

259.20 

42 

48.83 

99.64 

152.53 

207.60 

264.94 

43 

49.93 

101.87 

155.93 

212.20 

270.79 

44 

51.04 

104.14 

159.38 

216.87 

276.73 

45 

52.18 

106.44 

162.88 

221.61 

282.73 

46 

53.32 

108.76 

166.41 

226.36 

288.75 

47 

54.49 

111.11 

169.96 

231.14 

294.82 

48 

55.65 

113.44 

173.49 

235.91 

300.88 

49 

56.80 

115.76 

177.00 

240.67 

306.93 

50 

57.93 

118.05 

180.49 

245.40 

312.95 

51 

59.06 

120.34 

183.97 

250.10 

318.95 

52 

60.18 

122.59 

187.39 

254.75 

324.88 

53 

61.28 

124.81 

190.76 

259.32 

330.73 

54 

62.35 

126.98 

194.06 

263.81 

336.48 

55 

63.40 

129.10 

197.28 

268.20 

342.12 

56 

64.41 

131.14 

200.41 

272.46 

347.59 

57 

65.39 

133.13 

203.43 

276.58 

352.90 

58 

66.34 

135.03 

206.32 

280.51 

357.98 

59 

67.22 

136.82 

209.04 

284.24 

362.85 

60 

68.06 

138.49 

211.60 

287.76 

367.45 

61  68.82  140.04  213.98  291.05  371.74 


81 


AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

9  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

21 

210.53 

250.96 

293.10 

337.02 

22 

214.44 

255.62 

298.54 

343.28 

23 

218.48 

260.44 

304.17 

349.76 

24 

222.67 

265.43 

310.00 

356-46 

25 

227.00 

270.59 

316.03 

363.39 

26 

231.47 

275.92 

322.25 

370.55 

27 

236.09 

281.42 

328.68 

377.95 

28 

240.87 

287.12 

335.34 

385.60 

29 

245.78 

292.99 

342.19 

393.49 

30 

250.88 

299.06 

349.28 

401.63 

31 

256.13 

305.31 

356.58 

410.03 

32 

261.54 

311.76 

364.11 

418.69 

33 

267.12 

318.41 

371.87 

427.62 

34 

272.87 

325.25 

379.86 

436.81 

35 

278.77 

332.28 

388.08 

446.28 

36 

284.84 

339.52 

396.53 

456.00 

37 

291.08 

346.96 

405.23 

466.00 

38 

297.49 

354.59 

414.14 

476.26 

39 

304.06 

362.43 

423.28 

486.77 

40 

310.79 

370.43 

432.62 

497.52 

41 

317.67 

378.61 

442.17 

508.49 

42 

324.69 

386.96 

451.90 

519.67 

43 

331.83 

395.44 

461.78 

531.04 

44 

339.06 

404.03 

471.81 

542.58 

45 

346.38 

412.73 

481.96 

554.30 

46 

353.73 

421.48 

492.21 

566.15 

47 

361.14 

430.31 

502.54 

578.13 

48 

368.56 

439.16 

512.95 

590.22 

49 

375.97 

448.04 

523.40 

602.39 

50 

383.37 

456.91 

533.87 

614.63 

51 

390.75 

465.77 

544.37 

626.92 

52 

398.05 

474.57 

554.82 

639.24 

53 

405.27 

483.30 

565.22 

651.55 

54 

412.40 

491.94 

575.56 

663.83 

55 

419.39 

500.44 

585.78 

676.07 

56 

426.20 

508.76 

595.87 

688.24 

57 

432.83 

516.92 

605.81 

700.30 

58 

439.23 

524.83 

615.52 

712.23 

59 

445.38 

532.49 

625.02 

724.01 

60 

451.22 

539.83 

634.23 

735.60 

61  456.72  546.83  643.12  746.98 


82 


AMER. 
EXP. 

TERMINAL 

RESERVES          ^ 

iV:t% 

19  Year  Endowment 

Ye 

ars 

Aie 

1 

2 

3 

4 

5 

21 

35.23 

71.93 

110.18 

150.04 

191.58 

22 

35.22 

71.92 

110.17 

150.02 

191.55 

23 

35.22 

71.92 

110.16 

150.00 

191.53 

24 

35.22 

71.92 

110.15 

149.99 

191.51 

25 

35.22 

71.92 

110.14 

149.98 

191.49 

26 

35.22 

71.92 

110.14 

149.97 

191.48 

27 

.  35.22 

71.92 

110.14 

149.97 

191.47 

28 

35.22 

71.92 

110.14 

149.97 

191.46 

29 

35.23 

71.93 

110.15 

149.97 

191.45 

30 

35.24 

71.94 

110.16 

149.98 

191.46 

31 

35.25 

71.96 

110.18 

150.00 

191.47 

32 

35.26 

71.98 

110.20 

150.02 

191.49 

33 

35.27 

72.01 

110.24 

150.06 

191.52 

34 

35.29 

72.05 

110.29 

150.11 

191.56 

35 

35.32 

72.09 

110.35 

150.17 

191.62 

36 

35.35 

72.14 

110.42 

150.25 

191.70 

37 

35.39 

72.20 

110.51 

150.35 

191.81 

38 

35.43 

72.28 

110.62 

150.48 

191.95 

39 

35.48 

72.38 

110.75 

150.64 

192.13 

40 

35.54 

72.50 

110.91 

150.85 

192.35 

41 

35.62 

72.64 

111.11 

151.09 

192.62 

42 

35.72 

72.81 

111.35 

151.38 

192.94 

43 

35.83 

73.01 

111.63 

151.70 

193.29 

44 

35.95 

73.24 

111.94 

152.04 

193.66 

45 

36.08 

73.49 

112.27 

152.43 

194.05 

46 

36.23 

73.75 

112.62 

152.82 

194.44 

47 

36.39 

74.02 

112.98 

153.21 

194.82 

48 

36.56 

74.30 

113.34 

153.60 

195.20 

49 

36.73 

74.59 

113.71 

154.00 

195.59 

50 

36.91 

74.90 

114.09 

154.41 

196.00 

51 

37.10 

75.23 

114.49 

154.86 

196.44 

52 

37.29 

75.58 

114.92 

155.35 

196.91 

53 

37.50 

75.95 

115.39 

155.87 

197.42 

54 

37.73 

76.35 

115.91 

156.44 

197.98 

55 

37.98 

76.79 

116.48 

157.07 

198.60 

56 

38.25 

77.27 

117.10 

157.75 

199.28 

57 

38.55 

77.80 

117.78 

158.51 

200.02 

58 

38.88 

78.38 

118.52 

159.32 

200.82 

59 

39.23 

79.00 

119.31 

160.18 

201.68 

60 

39.60 

79.65 

120.15 

161.11 

202.59 

61        40.00        80.34        121.05       162.11       203.54 


83 


AMER. 
EXP. 

TERMINAL   RESERVES          ^ 

J^% 

19  Year  Endowment 

Years 

A^e 

6 

'  7 

8 

9 

10 

21 

234.87 

280.00 

327.05 

376.09 

427.24 

22 

234.84 

279.95 

327.00 

376.03 

427.17 

23 

234.81 

279.91 

326.95 

375.97 

427.10 

24 

234.78 

279.87 

326.90 

375.91 

427.03 

25 

234.75 

279.84 

326.85 

375.85 

426.96 

26 

234.73 

279.81 

326.80 

375.79 

426.89 

27 

234.71 

279.78 

326.75 

375.73 

426.81 

28 

234.69 

279.75 

326.71 

375.68 

426.73 

29 

234.68 

279.73 

326.68 

375.63 

426.65 

30 

234.68 

279.71 

326.65 

375.58 

426.58 

31 

234.68 

279.70 

326.62 

375.53 

426.51 

32 

234.69 

279.70 

326.60 

375.49 

426.45 

33 

234.71 

279.71 

326.59 

375.46 

426.40 

34 

234.75 

279.73 

326.60 

375.44 

426.36 

35 

234.81 

279.77 

326.62 

375.45 

426.34 

36 

234.89 

279.84 

326.67 

375.47 

426.34 

37 

235.00 

279.94 

326.75 

375.52 

426.35 

38 

235.14 

280.08 

326.87 

375.60 

426.38 

39 

235.32 

280.26 

327.02 

375.71 

426.43 

40 

235.54 

280.48 

327.20 

375.84 

426.46 

41 

235.81 

280.73 

327.41 

375.98 

426.50 

42 

236.12 

281.01 

327.64 

376.11 

426.55 

43 

236.46 

281.31 

327.86 

376.24 

426.55 

44 

236.82 

281.61 

328.07 

376.35 

426.52 

45 

237.19 

281.90 

328.27 

376.43 

426.46 

46 

237.52 

282.17 

328.45 

376.47 

426.36 

47 

237.89 

282.43 

328.60 

376.48 

426.21 

48 

238.22 

282.68 

328.73 

376.46 

426.00 

49 

238.56 

282.93 

328.84 

376.41 

425.74 

50 

238.91 

283.18 

328.94 

376.34 

425.44 

51 

239.28 

283.44 

329.05 

376.25 

425.12 

52 

239.68 

283.72 

329.17 

376.11 

424.77 

53 

240.12 

284.03 

329.30 

376.01 

424.39 

54 

240.60 

284.38 

329.44 

375.92 

423.98 

55 

241.13 

284.77 

329.61 

375.81 

423.54 

56 

241.72 

285.20 

329.81 

375.71 

423.07 

57 

242.38 

285.67 

330.03 

375.59 

422.55 

58 

243.08 

286.17 

330.26 

375.44 

421.96 

59 

243.82 

286.70 

330.47 

375.23 

421.27 

60 

244.60 

287.24 

330.65 

374.94 

420.40 

61        245.41  .,  287.78        330.78       374.55       419.41 


84 


AMER. 
EXP. 

TERMINAL   RESERVES 

3J^% 

19  Year  Endowment 

^ 

Years 

A^e 

11 

12 

13 

14 

21 

480.57 

536.21 

594.26 

654.81 

22 

480.49 

536.12 

594.16 

654.71 

23 

480.41 

536.03 

594.06 

654.61 

24 

480.33 

535.94 

593.96 

654.51 

25 

480.25 

535.85 

593.86 

654.40 

26 

480.16 

535.75 

593.75 

654.28 

27 

480.07 

535.65 

593.63 

654.15 

28 

479.98 

535.54 

593.50 

654.01 

29 

479.89 

535.42 

593.37 

653.87 

30 

479.80 

535.30 

593.24 

653.72 

31 

479.70 

535.18 

593.10 

653.56 

32 

479.60 

535.06 

592.96 

653.40 

33 

479.52 

534.95 

592.83 

653.24 

34 

479.45 

534.84 

592.69 

653.05 

35 

479.39 

534.73 

592.55 

652.87 

36 

479.34 

534.63 

592.40 

652.67 

37 

479.30 

534.53 

592.24 

652.45 

38 

479.27 

534.43 

592.03 

652.21 

39 

479.24 

534.31 

591.82 

651.93 

40 

479.20 

534.18 

591.58 

651.60 

41 

479.14 

534.02 

591.31 

651.21 

42 

479.05 

533.81 

590.98 

650.77 

43 

478.93 

533.55 

590.59 

650.27 

44 

478.77 

533.23 

590.13 

649.69 

45 

478.56 

532.85 

589.62 

649.02 

46 

478.29 

532.41 

589.00 

648.26 

47 

477.95 

531.88 

588.29 

647.40 

48 

477.54 

531.27 

587.48 

646.43 

49 

477.06 

530.58 

586.57 

645.34 

60 

476.53 

529.80 

585.56 

644.12 

51 

475.95 

528.94 

584.45 

642.78 

52 

475.31 

528.01 

583.23 

641.31 

53 

474.62 

527.00 

581.89 

639.70 

54 

473.87 

525.90 

580.43 

637.93 

55 

473.06 

524.69 

578.82 

635.97 

56 

472.17 

523.36 

577.05 

633.85 

57 

471.19 

521.89 

575.09 

631.42 

58 

470.09 

520.24 

572.88 

628.75 

59 

468.83 

518.36 

570.38 

625.75 

60 

467.34 

516.21 

567.62 

622.45 

61  465.67  513.83  564.63  618.94 


85 


AMER. 
EXP. 

TERMINAL   RESERVES 

3'^"^ 

19  Year  Endowment 

L 

Years 

A^e 

15 

16 

17 

18 

21 

718.01 

783.99 

852.87 

924.83 

22 

717.91 

783.90 

852.80 

924.79 

23 

717.81 

783.81 

852.73 

924.75 

24 

717.71 

783.71 

852.65 

924.70 

25 

717.61 

783.61 

852.57 

924.64 

2G 

717.48 

783.49 

852.47 

924.57 

27 

717.35 

783.36 

852.36 

924.50 

28 

717.21 

783.23 

852.25 

924.43 

29 

717.06 

783.09 

852.14 

924.35 

30 

716.90 

782.94 

852.01 

924.26 

31 

716.73 

782.77 

851.86 

924.19 

32 

716.57 

782.59 

851.70 

924.09 

33 

716.36 

782.41 

851.53 

923.96 

34 

716.18 

782.21 

851.34 

923.85 

35 

715.95 

781.99 

851.13 

923.72 

36 

715.72 

781.74 

850.90 

923.57 

37 

715.45 

781.45 

850.64 

923.40 

38 

715.15 

781.12 

850.35 

923.18 

39 

714.81 

780.75 

850.02 

922.96 

40 

714.43 

780.33 

849.65 

922.71 

41 

713.99 

779.86 

849.23 

922.45 

42 

713.49 

779.33 

848.76 

922.13 

43 

712.88 

778.73 

848.20 

921.78 

44 

712.24 

778.05 

847.59 

921.38 

45 

711.47 

777.28 

846.90 

920.93 

46 

710.61 

776.41 

846.13 

920.43 

47 

709.64 

775.43 

845.29 

919.84 

48 

708.56 

774.33 

844.29 

919.23 

49 

707.35 

773.10 

843.20 

918.51 

50 

705.99 

771.73 

842.00 

917.71 

51 

704.49 

770.22 

840.65 

916.83 

52 

702.87 

768.56 

839.19 

915.86 

53 

701.07 

766.70 

837.54 

914.78 

54 

699.06 

764.66 

835.71 

913.57 

55 

696.90 

762.40 

833.67 

912.24 

56 

694.44 

759.89 

831.43 

910.75 

57 

691.73 

757.11 

828.95 

909.12 

58 

688.70 

754.03 

826.26 

907.32 

59 

685.38 

750.66 

823.26 

905.33 

60 

681.79 

747.00 

819.99 

903.15 

61  677.95  743.10  816.45  900.75 


86 


AMER. 
EXP. 

TERMINAL 

RESERVES           - 

y/2% 

14  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

5 

21 

53.60 

109.48 

107.73 

228.48 

291.78 

22 

53.59 

109.46 

107.70 

228.44 

291.73 

23 

53.58 

109.44 

107.07 

228.39 

291.68 

24 

53.57 

109.42 

167.64 

228.34 

291.63 

25 

53.56 

109.40 

167.61 

228.29 

291.57 

26 

53.55 

109.38 

167.58 

228.24 

291.51 

27 

53.54 

109.36 

167.54 

228.19 

291.44 

28 

53.53 

109.34 

167.50 

228.14 

291.37 

29 

53.52 

109.31 

167.46 

228.09 

291.30 

30 

53.51 

109.28 

167.42 

228.03 

291.23 

31 

53.50 

109.25 

167.38 

227.97 

291.10 

32 

53.49 

109.22 

167.34 

227.91 

291.08 

33 

53.48 

109.19 

167.30 

227.85 

291.00 

34 

53.47 

109.16 

167.26 

227.79 

290.91 

35 

53.40 

109.13 

167.21 

227.72 

290.81 

36 

53.45 

109.11 

167.16 

227.65 

290.71 

37 

53.44 

109.09 

167.11 

227.58 

290.61 

38 

53.43 

109.07 

167.06 

227.51 

290.51 

39 

53.42 

109.05 

167.02 

227.44 

290.41 

40 

53.41 

109.03 

166.99 

227.38 

290.32 

41 

53.41 

109.03 

166.97 

227.34 

290.25 

42 

53.42 

109.04 

166.96 

227.30 

290.17 

43 

53.44 

109.05 

166.96 

227.20 

290.08 

44 

53.45 

109.07 

166.96 

227.21 

289.97 

45 

53.47 

109.09 

166.95 

227.17 

289.84 

46 

53.49 

109.11 

166.93 

227.05 

289.07 

47 

53.52 

109.12 

166.89 

226.93 

289.44 

48 

53.53 

109.10 

166.82 

226.77 

289.15 

49 

53.53 

109.00 

166.70 

226.56 

288.80 

50 

53.51 

109.00 

166.54 

226.29 

288.38 

51 

53.49 

108.92 

166.35 

225.97 

287.90 

52 

53.47 

108.82 

166.13 

225.61 

287.36 

53 

53.44 

108.70 

165.91 

225.21 

286.76 

54 

53.40 

108.56 

165.64 

224.77 

286.10 

55 

53.35 

108.41 

165.32 

224.28 

285.38 

56 

53.30 

108.26 

165.01 

223.74 

284.59 

57 

53.25 

108.10 

164.67 

223.15 

283.73 

58 

53.20 

107.93 

164.30 

222.51 

282.79 

59 

53.14 

107.74 

163.90 

221.82 

281.77 

60 

53.08 

107.53 

163.47 

221.09 

280.07 

61        53.01        107.30        163.01       220.31       279.48 


87 

AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

14  Year  Endowment 

Years 

Af^e 

6 

7 

8 

9 

21 

357.82 

426.69 

498.52 

573.45 

22 

357.76 

426.62 

498.45 

573.37 

23 

357.70 

426.55 

498.37 

573.29 

24 

357.63 

426.47 

498.28 

573.20 

25 

357.56 

426.39 

498.19 

573.10 

26 

357.49 

426.30 

498.10 

573.00 

27 

357.41 

426.21 

498.00 

572.90 

28 

357.32 

426.12 

497.90 

572.79 

29 

357.23 

426.02 

497.79 

572.67 

30 

357.14 

425.92 

497.67 

572.54 

31 

357.05 

425.81 

497.54 

572.40 

32 

356.95 

425.69 

497.40 

572.25 

33 

356.85 

425.56 

497.25 

572.09 

34 

356.74 

425.42 

497.09 

571.92 

35 

356.62 

425.27 

496.92 

571.73 

36 

356.49 

425.12 

496.74 

571.53 

37 

356.36 

424.96 

496.55 

571.32 

38 

356.22 

424.80 

496.35 

571.09 

39 

356.09 

424.63 

496.14 

570.84 

40 

355.97 

424.46 

495.92 

570.57 

41 

355.85 

424.28 

495.68 

570.28 

42 

355.72 

424.08 

495.41 

569.95 

43 

355.57 

423.85 

495.10 

569.57 

44 

355.39 

423.57 

494.74 

569.13 

45 

355.16 

423.24 

494.31 

568.61 

46 

354.87 

422.84 

493.80 

568.00 

47 

354.52 

422.36 

493.20 

567.30 

48 

354.09 

421.79 

492.50 

566.49 

49 

353.58 

421.13 

491.70 

565.57 

50 

352.99 

420.38 

490.80 

564.54 

51 

352.33 

419.54 

489.79 

563.39 

52 

351.60 

418.61 

488.66 

562.11 

53 

350.80 

417.58 

487.41 

560.68 

54 

349.92 

416.44 

486.03 

559.10 

55 

348.94 

415.18 

484.51 

557.36 

56 

347.85 

413.80 

482.85 

555.46 

57 

346.67 

412.29 

481.01 

553.38 

58 

345.38 

410.65 

479.03 

551.10 

59 

343.98 

408.86 

476.84 

548.59 

60 

342.46 

406.90 

474.43 

545.82 

61  340.81  404.75  471.81  542.75 


88 


AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

14  Year  Endowment 

Years 

A^e 

10 

11 

12 

13 

21 

651.63 

733.20 

818.34 

907.21 

22 

651.55 

733.13 

818.28 

907.17 

23 

651.47 

733.05 

818.22 

907.13 

24 

651.38 

732.97 

818.15 

907.09 

25 

651.28 

732.88 

818.08 

907.05 

26 

651.18 

732.79 

818.01 

907.01 

27 

651.08 

732.70 

817.93 

906.96 

28 

650.97 

732.59 

817.84 

906.91 

29 

650.85 

732.47 

817.74 

906.85 

30 

650.72 

732.35 

817.64 

906.78 

31 

650.58 

732.22 

817.53 

906.71 

32 

650.42 

732.07 

817.41 

906.63 

33 

650.25 

731.91 

817.28 

906.55 

34 

650.07 

731.73 

817.13 

906.46 

35 

649.88 

731.54 

816.96 

906.35 

36 

649.67 

731.34 

816.78 

906.23 

37 

649.44 

731.12 

816.58 

906.10 

38 

649.19 

730.88 

816.36 

905.95 

39 

648.92 

730.61 

816.12 

905.79 

40 

648.62 

730.30 

815.85 

905.62 

41 

648.29 

729.95 

815.54 

905.43 

42 

647.91 

729.56 

815.19 

905.21 

43 

647.47 

729.11 

814.79 

904.95 

44 

646.97 

728.59 

814.33 

904.65 

45 

640.39 

728.00 

813.81 

904.31 

4G 

645.72 

727.33 

813.23 

903.93 

47 

644.96 

726.57 

812.58 

903.51 

48 

644.09 

725.71 

811.84 

903.04 

49 

643.10 

724.74 

811.00 

902.48 

50 

641.99 

723.66 

810.06 

901.88 

51 

640.76 

722.45 

808.99 

901.20 

52 

639.39 

721.09 

807.82 

900.45 

53 

637.87 

719.58 

800.52 

899.63 

54 

636.19 

717.91 

805.08 

898.69 

55 

634.33 

716.07 

803.50 

897.65 

56 

632.28 

714.04 

801.72 

896.50 

57 

630.02 

711.80 

799.75 

895.23 

58 

627.53 

709.32 

797.57 

893.82 

59 

624.79 

700.57 

795.16 

892.25 

60 

621.77 

703.52 

792.46 

890.47 

61  618.44  700.14  789.48  888.55 


8a 


AMER. 
EXP. 

TERMINAL   RESERVES 

3'/^% 

9  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

21 

93.33 

190.64 

292.12 

397.97 

22 

93.31 

190.61 

292.08 

397.92 

23 

93.29 

190.58 

292.04 

397.87 

24 

93.27 

190.55 

292.00 

397.82 

25 

93.25 

190.52 

291.95 

397.76 

2G 

93.23 

190.48 

291.90 

397.70 

27 

93.21 

190.44 

291.85 

397.64 

28 

93.19 

190.40 

291.79 

397.57 

29 

i)3.17 

190.36 

291.73 

397.49 

30 

93.15 

190.31 

291.66 

397.41 

31 

93.13 

190.26 

291.58 

397.32 

32 

93.10 

190.21 

291.50 

397.23 

33 

93.07 

190.15 

291.42 

397.13 

34 

93.04 

190.09 

291.34 

397.02 

35 

93.01 

190.03 

291.25 

396.90 

36 

92.97 

189.96 

291.15 

396.77 

37 

92.93 

189.88 

291.04 

396.62 

38 

92.89 

189.79 

290.92 

396.46 

39 

92.84 

189.69 

290.78 

396.29 

40 

92.79 

189.59 

290.63 

396.11 

41 

92.74 

189.49 

290.48 

395.92 

42 

92.69 

189.38 

290.32 

395.71 

43 

92.63 

189.26 

290.14 

395.48 

44 

92.57 

189.13 

289.94 

395.22 

45 

92.50 

188.99 

289.72 

394.93 

46 

92.42 

188.83 

289.47 

394.59 

47 

92.33 

188.64 

289.17 

394.18 

48 

92.23 

188.41 

288.81 

393.70 

49 

92.11 

188.14 

288.39 

393.15 

50 

91.96 

187.83 

287.91 

392.53 

51 

91.79 

187.47 

287.37 

391.83 

52 

91.60 

187.06 

286.76 

391.04 

53 

91.35 

186.60 

286.07 

390.15 

54 

91.12 

186.09 

285.30 

389.16 

55 

90.83 

185.52 

284.45 

388.07 

50 

90.51 

184.89 

283.51 

386.87 

57 

90.16 

184.19 

282.47 

385.54 

58 

89.78 

183.42 

281.32 

384.06 

59 

89.37 

182.57 

280.05 

382.42 

60 

88.92 

181.63 

278.65 

380.62 

61  88.42  180.60  277.12  378.66 


90 


AMER. 
EXP. 

TERMINAL   RESERVES 

3^^% 

9  Year  Endowment 

Years 

Atfe 

5 

6 

7 

8 

21 

508.38 

623.57 

743.74 

869.14 

22 

508.33 

623.52 

743.70 

869.11 

23 

508.28 

623.47 

743.05 

869.08 

24 

508.23 

623.41 

743.60 

869.05 

25 

508.17 

623.35 

743.55 

869.02 

26 

508.10 

623.28 

743.49 

868.98 

27 

508.02 

623.20 

743.43 

868.94 

28 

507.94 

623.12 

743.36 

868.90 

29 

507.85 

623.04 

743.29      ^ 

868.86 

30 

507.76 

622.95 

743.21 

868.81 

31 

507.66 

622.85 

743.13 

868.75 

32 

507.56 

622.75 

743.04 

868.69 

33 

507.45 

622.64 

742.94 

868.63 

34 

507.33 

622.51 

742.83 

868.56 

35 

507.20 

622.37 

742.71 

868.48 

36 

507.05 

622.22 

742.58 

868.40 

37 

506.88 

622.06 

742.44 

868.31 

38 

506.70 

621.88 

742.28 

868.20 

39    • 

506.51 

621.68 

742.10 

868.08 

40 

506.31 

621.46 

741.90 

867.95 

41 

506.09 

621.22 

741.68 

867.81 

42 

505.84 

620.96 

741.44 

867.65 

43 

505.56 

620.67 

741.17 

867.47 

44 

505.25 

620.34 

740.86 

867.27 

45 

504.89 

619.96 

740.51 

867.04 

46 

504.47 

619.52 

740.11 

866.77 

47 

503.99 

619.01 

739.65 

866.46 

48 

503.44 

618.42 

739.12 

866.11 

49 

502.80 

617.75 

738.52 

865.71 

50 

502.07 

616.99 

737.84 

865.26 

51 

501.25 

616.14 

737.08 

864.76 

52 

500.34 

615.19 

736.24 

864.21 

53 

499.32 

614.13 

735.30 

863.59 

54 

498.18 

612.96 

734.25 

862.90 

55 

496.92 

611.66 

733.08 

862.13 

56 

495.53 

610.22 

731.78 

861.27 

57 

493.99 

608.62 

730.34 

860.32 

58 

492.28 

606.84 

728.74 

859.26 

59 

490.39 

604.87 

726.96 

858.08 

60 

488.31 

602.69 

724.99 

850.77 

61  486.03  600.29  722.82  855.32 


91 


AMER. 
EXP. 

TERMINAL 

RESERVES          - 

J/3^ 

20  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

71.03 

138.40 

199.98 

256.07 

300.30 

21 

72.61 

140.34 

202.88 

259.91 

311.08 

22 

73.66 

142.45 

206.04 

264.11 

316.26 

23 

74.83 

144.77 

209.52 

268.71 

321.96 

24 

76.10 

147.33 

213.33 

273.76 

328.23 

25 

77.51 

150.14 

217.54 

279.36 

335.16 

26 

79.06 

153.24 

222.20 

285.53 

342.83 

27 

80.79 

156.70 

227.37 

292.41 

351.40 

28 

82.71 

160.55 

233.14 

300.11 

360.97 

29 

84.85 

164.85 

239.62 

308.73 

371.67 

30 

87.28 

169.73 

246.94 

318.46 

383.81 

31 

90.01 

175.21 

255.17 

329.44 

397.55 

32 

93.10 

181.40 

264.49 

341.93 

413.11 

33 

96.56 

188.38 

275.03 

355.98 

430.69 

34 

100.46 

196.24 

286.85 

371.79 

450.40 

35 

104.84 

205.04 

300.13 

389.51 

472.59 

36 

109.73 

214.90 

314.98 

409.40 

497.45 

37 

115.20 

225.90 

331.60 

431.62 

525.31 

38 

121.28 

238.18 

350.10 

456.44 

556.40 

39 

128.04 

251.80 

370.70 

484.02 

590.99 

40 

135.53 

266.93 

393.54 

514.65 

629.34 

41 

143.83 

283.65 

418.83 

548.51 

671.79 

42 

152.97 

302.12 

440.70 

585.88 

718.54 

43 

163.04 

322.42 

477.39 

626.93 

769.95 

44 

174.06 

344.68 

510.97 

671.92 

826.23 

45 

186.13 

369.00 

547.70 

721.07 

887.63 

46 

199.28 

395.54 

587.75 

774.60 

954.49 

47 

213.60 

424.41 

631.26 

832.74 

1027.16 

48 

229.12 

455.66 

678.38 

895.76 

1105.95 

49 

245.89 

489.44 

729.33 

963.90 

1191.19 

50 

263.94 

525.83 

784.23 

1037.37 

1283.09 

51 

283.32 

564.90 

843.18 

1116.26 

1381.89 

52 

304.01 

606.62 

906.14 

1200.60 

1487.50 

53 

325.95 

650.86 

972.96 

1290.08 

1599.64 

54 

349.04 

697.44 

1043.31 

1384.39 

1717.94 

55 

373.17 

746.10 

1116.85 

1483.02 

1841.67 

56 

398.24 

796.71 

1193.37 

1585.67 

1970.52 

57 

424.14 

849.02 

1272.47 

1691.83 

2103.84 

58 

450.85 

902.95 

1354.07 

1801.41 

2241.58 

59 

478.28 

958.40 

1438.02 

1914.26 

2383.64 

60 

506.39 

1015.23 

1524.13 

2030.19 

2529.73 

92 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3^96 

20  Year  Mortuary  Additions 

Years 

Atfe 

6 

7 

8 

9 

10 

20 

350.34 

387.72 

418.02 

440.80 

455.40 

21 

355.97 

394.17 

425.26 

448.68 

463.92 

22 

362.10 

401.23 

433.12 

457.29 

473.20 

23 

368.88 

408.98 

441.80 

466.84 

483.45 

24 

376.30 

417.51 

451.38 

477.32 

494.66 

25 

384.53 

427.00 

462.02 

488.94 

507.17 

26 

393.67 

437.51 

473.76 

501.84 

521.15 

27 

403.85 

449.19 

486.89 

516.35 

536.73 

28 

415.21 

462.29 

501.68 

532.57 

554.28 

29 

427.96 

477.07 

518.26 

550.87 

573.96 

30 

442.49 

493.82 

537.16 

571.63 

596.47 

31 

458.86 

512.78 

558.47 

595.20 

621.94 

32 

477.47 

534.25 

582.75 

622.00 

651.11 

33 

498.44 

558.57 

610.19 

652.44 

684.20 

34 

522.05 

585.91 

641.17 

686.77 

721.63 

35 

548.59 

616.75 

676.09 

725.58 

763.80 

36 

578.42 

651.39 

715.39 

769.11 

811.28 

37 

611.82 

690.24 

759.36 

817.97 

864.34 

38 

649.14 

733.54 

808.49 

872.35 

923.51 

39 

690.58 

781.74 

862.97 

932.77 

989.09 

40 

736-61 

835.10 

923.41 

999.64 

1061.48 

41 

787.42 

894.10 

990.09 

1073.26 

1141.13 

42 

843.46 

959.06 

1063.38 

1154.12 

1228.64 

43 

905.00 

1030.29 

1143.69 

1242.78 

1324.62 

44 

972.27 

1108.10 

1231.49 

1339.72 

1429.63 

45 

1045.63 

1193.01 

1327.30 

1445.58 

1544.29 

46 

1125.57 

1285.58 

1431.83 

1561.07 

1669.56 

47 

1212.48 

1386.26 

1545.53 

1686.87 

1806.00 

48 

1306.76 

1495.50 

1669.05 

1823.52 

1954.45 

49 

1408.78 

1613.84 

1802.85 

1971.77 

2115.73 

50 

1518.88 

1741.56 

1947.46 

2132.20 

2290.34 

51 

1637.24 

1879.02 

2103.29 

2305.16 

2478.83 

52 

1763.90 

2026.29 

2270.31 

2490.70 

2681.29 

53 

1898.53 

2182.88 

2448.04 

2688.40 

2897.20 

54 

2040.57 

2348.20 

2635.84 

2897.50 

3125.97 

55 

2189.23 

2521.32 

2832.68 

3116.96 

3366.28 

56 

2344.12 

2701.86 

3038.23 

3346.32 

3617.52 

57 

2504.52 

2889.09 

3251.57 

3584.48 

3878.83 

58 

2670.48 

3082.97 

3472.64 

3831.73 

4150.57 

59 

2841.81 

3283.30 

3701.52 

4088.21 

4432.97 

60 

3018.17 

3489.95 

3938.11 

4353.89 

4726.54 

93 


AMER. 
EXP. 

TERMINAL 

RESERVES    ; 

}^% 

20  Year  Mortuary  Additions 

Years 

A^e 

11 

12 

13 

14 

15 

20 

461.48 

458.29 

445.14 

421.21 

385.76 

21 

470.44 

467.53 

454.41 

430.36 

394.65 

22 

480.20 

477.54 

464.54 

440.48 

404.22 

23 

490.94 

488.65 

475.90 

451.60 

414.92 

24 

502.77 

500.99 

488.32 

463.92 

426.54 

25 

516.08 

514.70 

502.27 

477.57 

439.67 

26 

530.79 

530.00 

517.66 

492.85 

454.18 

27 

547.32 

547.04 

535.02 

509.94 

470.70 

28 

565.80 

566.29 

554.51 

529.40 

489.44 

29 

586.71 

587.97 

576.71 

551.50 

510.91 

30 

610.56 

612.94 

602.25 

577.13 

535.67 

31 

637.76 

641.38 

631.50 

606.33 

564.16 

32 

668.87 

674.07 

664.99 

640.04 

596.81 

33 

704.30 

711.15 

703.21 

678.24 

634.02 

34 

744.23 

753.14 

746.22 

721.39 

675.85 

35 

789.41 

800.39 

794.78 

769.94 

722.62 

36 

840.02 

853.48 

849.16 

824.02 

774.63 

37 

896.72 

912.77 

909.63 

884.08 

832.39 

38 

959.77 

978.47 

976.56 

950.54 

896.33 

39 

1029.44 

1050.97 

1050.41 

1023.89 

966.92 

40 

1106.28 

1130.96 

1131.92 

1104.91 

1044.81 

41 

1190.84 

1219.01 

1221.69 

1194.07 

1130.70 

42 

1283.79 

1315.87 

1320.39 

1292.28 

1225.25 

43 

1385.79 

1422.11 

1428.85 

1400.15 

1329.33 

44 

1497.36 

1538.50 

1547.62 

1518.50 

1443.74 

45 

1619.36 

1665.75 

1677.70 

1648.35 

1569.25 

46 

1752.65 

1805.02 

1820.33 

1790.78 

1707.18 

47 

1898.06 

1957.20 

1976.24 

1946.72 

1858.36 

48 

2056.50 

2123.09 

2146.46 

2117.18 

2024.00 

49 

2228.73 

2303.69 

2331.99 

2303.37 

2205.48 

50 

2415.45 

2499.71 

2533.77 

2506.42 

2403.78 

51 

2617.24 

2711.94 

2752.78 

2727.22 

2619.60 

52 

2834.34 

2940.77 

2989.31 

2965.87 

2853.50 

53 

3066.28 

3185.56 

3242.46 

3221.82 

3104.77 

54 

3312.29 

3445.29 

3511.53 

3494.22 

3372.21 

55 

3570.79 

3718.62 

3794.98 

3781.22 

3654.31 

56 

3841.45 

4005.17 

4092.33 

4082.83 

3950.96 

57 

4123.35 

4303.88 

4402.98 

4398.27 

4262.08 

58 

4416.93 

4615.86 

4728.04 

4729.71 

4591.24 

59 

4723.05 

4941.98 

5069.54 

5080.52 

4943.21 

60 

5042.18 

5283.79 

5430.15 

5454.63 

5322.95 

94 


AMER. 
EXP. 

TERMINAL   RESERVES 

20  Year  Mortuary  Additions 

3^% 

Years 

A^e 

16 

17 

18 

19 

20 

338.02 

276.73 

200.94 

109.12 

21 

346.08 

283.73 

206.14 

112.18 

22 

354.89 

291.09 

211.75 

115.19 

23 

364.53 

299.38 

217.89 

118.74 

24 

375.19 

308.35 

224.75 

122.57 

25 

387.09 

318.65 

232.59 

127.19 

26 

400.51 

330.17 

241.50 

132.19 

27 

415.71 

343.40 

251.55 

138.13 

28 

433.15 

358.39 

263.24 

144.74 

29 

452.93 

375.70 

276.42 

152.41 

30 

476.10 

395.75 

292.08 

161.61 

31 

502.48 

418.85 

309.97 

171.82 

32 

532.99 

445.46 

330.38 

183.52 

33 

567.59 

475.33 

353.21 

196.60 

34 

606.16 

508.50 

378.48 

211.00 

35 

649.20 

545.52 

406.73 

227.20 

36 

697.06 

586.70 

438.21 

245.10 

37 

750.23 

632.52 

473.12 

265.14 

38 

809.13 

683.14 

511.83 

287.17 

39 

874.03 

739.05 

554.40 

311.48 

40 

945.82 

800.79 

601.62 

338.66 

41 

1024.88 

868.99 

653.96 

368.67 

42 

1112.15 

944.49 

711.84 

401.98 

43 

1208.45 

1027.75 

775.80 

438.74 

44 

1314.25 

1119.36 

846.13 

479.21 

45 

1430.49 

1220.05 

923.62 

524.03 

46 

1558.40 

1331.18 

1009.61 

574.07 

47 

1698.94 

1453.76 

1104.70 

629.20 

48 

1853.43 

1588.81 

1209.39 

690.22 

49 

2023.07 

1737.16 

1324.91 

757.86 

50 

2208.55 

1899.96 

1452.07 

832.22 

51 

2411.09 

2078.23 

1591.43  - 

914.30 

52 

2631.10 

2272.03 

1743.53 

1003.63 

53 

2867.48 

2480.69 

1906.81 

1099.28 

54 

3119.50 

2702.71 

2080.49 

1201.33 

55 

3385.09 

2936.81 

2264.19 

1309.91 

56 

3664.80 

3184.64 

2460.38 

1427.41 

57 

3959.96 

3448.50 

2671.67 

1555.40 

58 

4275.34 

3733.93 

2903.45 

1698.40 

59 

4616.77 

4047.24 

3162.02 

1860.26 

60 

4989.84 

4394.37 

3451.97 

2043.57 

96 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3^% 

13  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

52.91 

100.15 

141.35 

176.17 

204.22 

21 

53.47 

101.23 

142.94 

178.23 

206.71 

22 

54.08 

102.42 

144.68 

180.50 

209.42 

23 

54.74 

103.72 

146.60 

182.96 

212.38 

24 

55.47 

105.17 

148.70 

185.68 

215.67 

25 

56.27 

106.72 

150.99 

188.65 

219.24 

2G 

57.14 

108.44 

153.52 

191.92 

223.20 

27 

58.09 

110.33 

156.27 

195.50 

227.54 

28 

59.15 

112.39 

159.31 

199.46 

232.33 

29 

60.29 

114.65 

162.65 

203.80 

237.55 

30 

61.57 

117.18 

166.37 

208.62 

243.39 

31 

62.99 

119.98 

170.47 

213.96 

249.92 

32 

64.57 

123.08 

175.06 

219.98 

257.20 

33 

66.33 

126.57 

180.23 

226.71 

265.40 

34 

68.31 

130.51 

186.04 

234.31 

274.59 

35 

70.57 

134.97 

192.66 

242.93 

285.12 

36 

73.11 

140.03 

200.12 

252.73 

297.05 

37 

76.00 

145.75 

208.63 

263.88 

310.72 

38 

79.26 

152.24 

218.25 

276.54 

326.22 

39 

82.93 

159.54 

229.11 

290.83 

343.76 

40 

87.06 

167.77 

241.36 

306.96 

363.50 

41 

91.70 

177.01 

255.12     * 

325.05 

385.71 

42 

96.88 

187.35 

270.50 

345.31 

410.47 

43 

102.67 

198.86 

287.65 

367.82 

438.06 

44 

109.07 

211.65 

306.64 

392.80 

468.58 

45 

116.19 

225.79 

327.68 

420.43 

502.25 

46 

124.03 

241.43 

350.90 

450.82 

539.28 

47 

132.69 

258.64 

376.40 

484.22 

580.00 

48 

142.19 

277.52 

404.38 

520.87 

624.70 

49 

152.59 

298.17 

435.01 

561.01 

673.68 

50 

163.96 

320.76 

468.52 

604.94 

727.26 

51 

176.39 

345.46 

505.16 

652.98 

785.94 

52 

189.93 

372.39 

545.11 

705.40 

849.96 

53 

204.66 

401.67 

588.61 

762.48 

919.77 

54 

220.65 

433.48 

635.85 

824.56 

995.78 

55 

237.95 

467.90 

687.03 

891.89 

1078.26 

56 

256.59 

505.05 

742.32 

964.65 

1167.49 

57 

276.61 

544.96 

801.74 

1042.91 

1263.55 

58 

297.95 

587.51 

865.14 

1126.48 

1366.24 

59 

320.51 

632.53 

932.25 

1215.04 

1475.23 

60 

344.21 

679.84 

1002.85 

1308.29 

1590.07 

96 


AMER. 
EXP. 

TERMINAL 

RESERVES 

yA% 

15  Year  Mortuary  Additions 

Years 

Aiie 

6 

7 

8 

9 

10 

20 

225.10 

238.31 

243.37 

239.80 

226.94 

21 

227.92 

241.40 

246.68 

243.14 

230.23 

22 

231.02 

244.83 

250.29 

246.84 

233.93 

23 

234.43 

248.56 

254.25 

250.95 

237.97 

24 

238.18 

252.69 

258.69 

255.52 

242.42 

25 

242.28 

257.26 

263.55 

260.45 

247.32 

26 

246.86 

262.31 

268.89 

265.98 

252.89 

27 

251.84 

267.78 

274.74 

272.09 

258.89 

28 

257.31 

273.84 

281.29 

278.80 

265.59 

29 

263.33 

280.57 

288.43 

286.20 

272.83 

30 

270.12 

288.05 

296.48 

294.43 

281.04 

31 

277.62 

296.40 

305.34 

303.63 

290.12 

32 

286.05 

305.70 

315.35 

313.93 

300.47 

33 

295.48 

316.21 

326.59 

325.68 

312.21 

34 

306.15 

328.06 

339.41 

339.02 

325.67 

35 

318.34 

341.73 

354.18 

354.53 

341.24 

36 

332.25 

357.31 

371.11 

372.21 

359.15 

37 

348.18 

375.23 

390.50 

392.62 

379.67 

38 

366.31 

395.54 

412.61 

415.72 

403.02 

39 

386.73 

418.53 

437.46 

441.80 

429.26 

40 

409.83 

444.37 

465.51 

471.11 

458.55 

41 

435.66 

473.38 

496.87 

503.70 

491.07 

42 

464.55 

505.72 

531.68 

539.84 

527.14 

43 

496.65 

541.49 

570.15 

579.78 

567.02 

44 

532.04 

580.92 

612.56 

623.83 

611.03 

45 

571.06 

624.40 

659.35 

672.47 

659.57 

46 

614.01 

672.29 

710.92 

726.02 

713.14 

47 

661.24 

724.98 

767.63 

785.04 

772.11 

48 

713.13 

782.86 

830.03 

849.94 

837.12 

49 

769.97 

846.34 

898.44 

921.22 

908.65 

50 

832.23 

915.86 

973.48 

999.54 

987.21 

51 

900.40 

992.09 

1055.92 

1085.59 

1073.69 

52 

974.89 

1075.53 

1146.15 

1179.93 

1168.57 

53 

1056.23 

1166.66 

1244.83 

1283.19 

1272.67 

54 

1144.83 

1266.05 

1352.59 

1396.20 

1386.92 

55 

1241.07 

1374.13 

1469.98 

.1519.63 

1511.94 

56 

1345.30 

1491.38 

1597.64 

1654.08 

1648.19 

57 

1457.68 

1618.06 

1735.76 

1799.61 

1796.06 

58 

1578.02 

1753.87 

1883.86 

1955.97 

1955.16 

59 

1705.83 

1898.10 

2041.40 

2122.45 

2124.49 

60 

1840.51 

2050.30 

2207.78 

2298.25 

2303.55 

97 


AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

15  Year  Mortuary  Additions 

Years 

A^e 

11 

12 

13 

14 

20 

204.22 

171.01 

126.49 

69.77 

21 

207.35 

173.71 

128.48 

70.86 

22 

210.80 

176.65 

130.73 

72.26 

23 

214.53 

179.91 

133.36 

73.71 

24 

218.73 

183.71 

136.26 

75.49 

25 

223.44 

187.79 

139.49 

77.25 

26 

228.65 

192.43 

143.01 

79.37 

27 

234.36 

197.33 

146.84 

81.47 

28 

240.58 

202.83 

151.01 

83.94 

29 

247.44 

208.75 

155.05 

86.58 

30 

255.12 

215.59 

160.98 

89.80 

31 

263.79 

223.24 

167.05 

93.28 

32 

273.62 

232.05 

173.91 

97.42 

33 

284.91 

242.03 

181.88 

102.02 

34 

297.72 

253.55 

190.86 

107.36 

35 

312.76 

266.94 

201.58 

113.81 

36 

329.88 

282.34 

213.81 

120.93 

37 

349.69 

300.10 

227.75 

129.10 

38 

372.10 

319.97 

243.28 

138.16 

39 

397.05 

342.00 

260.46 

148.15 

40 

424.86 

366.58 

279.66 

159.39 

41 

455.74 

393.88 

301.04 

171.81 

42 

490.00 

424.23 

324.71 

185.68 

43 

527.93 

457.72 

350.95 

200.93 

44 

569.69 

494.69 

370.77 

217.74 

45 

615.87 

535.50 

411.73 

236.52 

46 

666.77 

580.64 

447.21 

257.30 

47 

722.97 

630.60 

486.43 

280.34 

48 

785.06 

685.77 

529.83 

305.81 

49 

853.32 

746.50 

577.56 

333.84 

50 

928.41 

813.31 

630.19 

364.91 

51 

1011.15 

887.16 

688.69 

399.67 

52 

1102.14 

968.68 

753.41 

437.94 

53 

1202.30 

1058.60 

824.71 

480.33 

54 

1312.46 

1157.49 

903.51 

527.41 

55 

1433.03 

1266.14 

990.32 

579.17 

56 

1564.87 

1385.25 

1085.53 

636.35 

57 

1708.24 

1514.81 

1189.49 

698.57 

58 

1862.46 

1654.47 

1301.18 

765.24 

59 

2026.83 

1802.92 

1419.75 

836.14 

60 

2200.36 

1959.79 

1545.44 

911.86 

98 


AMER. 
EXP. 

TERMINAL 

RESERVES          ' 

4 

y/i% 

10  Year  Mortuary  Additions 

Years 

Aye 

1 

2 

3 

4 

5 

20 

34.32 

62.16 

83.13 

96.83 

102.85 

21 

34.61 

62.71 

83.89 

97.76 

103.90 

22 

34.93 

63.29 

84.71 

98.77 

104.99 

23 

35.27 

63.93 

85.61 

99.84 

106.16 

24 

35.64 

64.65 

86.59 

101.03 

107.50 

25 

36.05 

65.40 

87.65 

102.33 

108.91 

26 

36.48 

66.21 

88.78 

103.69 

110.43 

27 

36.95 

67.11 

90.02 

105.20 

112.13 

28 

37.47 

68.09 

91.39 

106.88 

113.99 

29 

38.04 

69.17 

92.92 

108.74 

116.03 

30 

38.67 

70.36 

94.59 

110.75 

118.29 

31 

39.36 

71.68 

96.42 

113.00 

120.85 

32 

40.12 

73.11 

98.42 

115.49 

123.60 

33 

40.95 

74.69 

100.67 

118.22 

126.67 

34 

41.86 

76.44 

103.11 

121.23 

129.98 

35 

42.89 

78.39 

105.86 

124.56 

133.73 

36 

44.03 

80.56 

108.89 

128.30 

137.88 

37 

45.30 

82.97 

112.31 

132.48 

142.62 

38 

46.73 

85.70 

116.15 

137.26 

148.01 

39 

48.35 

88.79 

120.56 

142.70 

154.20 

40 

50.20 

92.36 

125.62 

149.02 

161.34 

41 

52.32 

96.44 

131.45 

156.23 

169.58 

42 

54.74 

101.11 

138.09 

164.54 

178.99 

43 

57.49 

106.39 

145.65 

173.91 

189.67 

44 

60.57 

112.36 

154.12 

184.47 

201.64 

45 

64.05 

119.04 

163.66 

196.30 

214.95 

46 

67.92 

126.51 

174.29 

209.41 

229.70 

47 

72.26 

134.85 

186.08 

223.95 

246.06 

48 

77.07 

144.05 

199.10 

240.01 

264.14 

49 

82.36 

154.19 

213.46 

257.74 

284.12 

50 

88.22 

165.41 

229.35 

277.35 

306.19 

51 

94.68 

177.79 

246.89 

298.99 

330.59 

52 

101.80 

191.45 

266.22 

322.87 

357.48 

53 

109.65 

206.47 

287.52 

349.17 

387.16 

54 

118.25 

222.98 

310.89 

378.09 

419.86 

55 

127.69 

241.07 

336.58 

409.91 

455.81 

56 

138.04 

260.95 

364.83 

444.90 

495.42 

57 

149.38 

282.75 

395.81 

483.32 

538.93 

58 

161.78 

306.59 

429.72 

525.42 

586.71 

59 

175.30 

332.62 

466.79 

571.54 

639.21 

60 

190.02 

360.98 

507.25 

621.99 

696.73 

99 


AMER. 
EXP. 

TERMINAL   RESERVES 

35^% 

10  Year 

Mortuary  Addit 

ions 

Years 

A^e 

6 

7 

8 

9 

20 

100.73 

89.93 

69.93 

40.19 

21 

101.77 

90.90 

70.76 

40.67 

22 

102.88 

91.95 

71.57 

41.14 

23 

104.09 

93.04 

72.44 

41.68 

24 

105.44 

94.31 

73.52 

42.36 

25 

106.89 

95.70 

74.66 

43.00 

26 

108.46 

97.16 

75.78 

43.65 

27 

110.20 

98.73 

77.06 

44.48 

28 

112.07 

100.49 

78.56 

45.35 

29 

114.18 

102.54 

80.21 

46.41 

30 

116.56 

104.73 

82.05 

47.46 

31 

119.17 

107.23 

84.05 

48.72 

32 

122.03 

109.85 

86.22 

49.96 

33 

125.13 

112.80 

88.57 

51.42 

34 

128.56 

115.96 

91.20 

52.98 

35 

132.40 

119.64 

94.22 

54.90 

36 

136.74 

123.74 

97.67 

50.97 

37 

141.66 

128.47 

101.55 

59.42 

38 

147.33 

133.83 

106.09 

62.16 

39 

153.76 

140.04 

111.20 

65.35 

40 

161.31 

147.22 

117.28 

69.16 

41 

169.91 

155.53 

124.25 

73.42 

42 

179.84 

165.06 

132.15 

78.25 

43 

191.04 

175.69 

140.93 

83.62 

44 

203.47 

187.44 

150.61 

89.50 

45 

217.27 

200.51 

161.39 

96.11 

46 

232.58 

215.01 

173.40 

103.40 

47 

249.57 

231.14 

186.70 

111.57 

48 

268.38 

248.95 

201.45 

120.54 

49 

289.10 

268.60 

217.64 

130.41 

50 

312.06 

290.34 

235.63 

141.48 

51 

337.39 

314.41 

255.63 

153.74 

52 

365.40 

341.09 

277.76 

167.34 

53 

396.38 

370.56 

302.25 

182.36 

54 

430.47 

403.03 

329.19 

198.90 

55 

467.99 

438.77 

358.92 

217.26 

56 

509.37 

478.31 

391.99 

237.81 

57 

554.94 

522.01 

428.63 

260.45 

58 

605.14 

570.24 

468.99 

285.53 

59 

660.39 

623.30 

513.60 

313.36 

60 

720.91 

681.63 

562.76 

343.97 

100 


AMER. 
EXP. 

MEAN 

RESERVES 

■ 
A, 

yA% 

Ordinary  Life 

^ 

^ 

Years 

A^e 

1 

2 

3 

4 

5 

21 

10.11 

16.68 

23.47 

30.51 

37.81 

22 

10.40 

17.24 

24.33 

31.67 

39.27 

23 

10.71 

17.85 

25.24 

32.89 

40.80 

24 

11.03 

18.47 

26.18 

34.15 

42.41 

25 

11.37 

19.13 

27.16 

35.48 

44.09 

26 

11.72 

19.82 

28.20 

36.87 

45.85 

27 

12.09 

20.54 

29.29 

38.33 

47.69 

28 

12.48 

21.30 

30.42 

39.86 

49.63 

29 

12.89 

22.09 

31.61 

41.47 

51.65 

30 

13.32 

22.93 

32.87 

43.15 

53.78 

31 

13.78 

23.82 

34.19 

44.91 

56.00 

32 

14.25 

24.73 

35.56 

46.76 

58.33 

33 

14.75 

25.69 

37.01 

48.70 

60.77 

34 

15.28 

26.72 

38.54 

50.74 

63.34 

35 

15.84 

27.79 

40.14 

52.88 

66.02 

36 

16.42 

28.91 

41.80 

55.10 

68.82 

37 

17.04 

30.09 

43.55 

57.44 

71.75 

38 

17.69 

31.33 

45.39 

59.88 

74.82 

39 

18.37 

32.63 

47.32 

62.46 

78.05 

40 

19.09 

33.99 

49.35 

65.16 

81.43 

41 

19.86 

35.45 

51.49 

68.00 

84.97 

42 

20.66 

36.96 

53.73 

70.96 

88.65 

43 

21.52 

38.56 

56.08 

74.06 

92.49 

44 

22.42 

40.23 

58.52 

77.27 

96.47 

45 

23.37 

41.98 

61.07 

80.61 

100.58 

46 

24.36 

43.80 

63.71 

84.05 

104.79 

47 

25.41 

45.71 

66.45 

87.59 

109.12 

48 

26.51 

47.68 

69.25 

91.22 

113.55 

49 

27.66 

49.70 

72.14 

94.94 

118.08 

50 

28.87 

51.80 

75.12 

98.78 

122.75 

51 

30.13 

53.99 

78.20 

102.73 

127.54 

52 

31.46 

56.25 

81.38 

106.79 

132.45 

53 

32.86 

58.62 

84.67 

110.98 

137.49 

54 

34.33 

61.07 

88.07 

115.28 

142.68 

55 

35.88 

63.61 

91.57 

119.71 

147.99 

56 

37.50 

66.25 

95.19 

124.27 

153.43 

57 

39.21 

69.01 

98.94 

128.96 

159.01 

58 

41.02 

71.87 

102.81 

133.77 

164.70 

59 

42.92 

74.84 

106.78 

138.69 

170.51 

60 

44.92 

77.92 

110.88 

143.75 

176.45 

61 

47.02 

81.11 

115.10 

148.92 

182.50 

62 

49.25 

84.44 

119.46 

154.22 

188.65 

63 

51.60 

87.90 

123.93 

159.62 

194.89 

64 

54.07 

91.47 

128.51 

165.10 

201.17 

65 

56.67 

95.15 

133.18 

170.66 

207.51 

66         59.42         98.98        137.96       176.30       213.89 


101 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

1 

J  54% 

Ordinary  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

45.36 

53.17 

61.26 

69.63 

78.30 

22 

47.13 

55.28 

63.71 

72.43 

81.45 

23 

49.00 

57.49 

66.26 

75.35 

84.75 

24 

50.95 

59.79 

68.94 

78.41 

88.20 

25 

52.99 

62.21 

71.75 

81.60 

91.79 

2G 

55.14 

64.75 

74.68 

84.94 

95.56 

27 

57.38 

67.39 

77.74 

88.44 

99.50 

28 

59.73 

70.16 

80.95 

92.10 

103.61 

29 

62.18 

73.06 

84.31 

95.93 

107.91 

30 

64.76 

76.10 

87.82 

99.92 

112.40 

31 

67.46 

79.29 

91.50 

104.10 

117.09 

32 

70.28 

82.62 

95.34 

108.45 

121.97 

33 

73.23 

86.09 

99.34 

113.00 

127.08 

34 

76.33 

89.72 

103.54 

117.77 

132.42 

35 

79.57 

93.54 

107.93 

122.75 

137.99 

36 

82.95 

97.51 

112.51 

127.94 

143.79 

37 

86.49 

101.67 

117.29 

133.35 

149.83 

38 

90.20 

106.02 

122.29 

138.99 

156.10 

39 

94.09 

110.58 

127.50 

144.85 

162.62 

40 

98.15 

115.31 

132.91 

150.93 

169.34 

41 

102.39 

120.25 

138.54 

157.22 

176.28 

42 

106.79 

125.36 

144.34 

163.69 

183.38 

43 

111.36 

130.65 

150,32 

170.33 

190.68 

44 

116.08 

136.08 

156.44 

177.14 

198.14 

45 

120.93 

141.66 

162.72 

184.10 

205.75 

46 

125.90 

147.36 

169.13 

191.20 

213.52 

47 

130.99 

153.20 

175.69 

198.45 

221.42 

48 

136.20 

159.16 

182.38 

205.82 

229.46 

49 

141.53 

165.24 

189.19 

213.34 

237.63 

50 

146.99 

171.47 

196.15 

221.00 

245.96 

51 

152.59 

177.84 

203.26 

228.80 

254.41 

52 

158.32 

184.35 

210.51 

236.74 

262.99 

53 

164.19 

191.01  * 

217.90 

244.81 

271.70 

54 

170.20 

197.80 

225.42 

253.01 

280.52 

55 

176.34 

204.72 

233.06 

261.32 

289.45 

56 

182.61 

211.76 

240.83 

269.75 

298.47 

57 

189.02 

218.94 

248.71 

278.28 

307.56 

58 

195.54 

226.23 

256.69 

286.87 

316.69 

59 

202.18 

233.61 

264.75 

295.51 

325.83 

60 

208.92 

241.08 

272.86 

304.18 

334.97 

61 

215.76 

248.62 

281.01 

312.85 

344.08 

62 

222.68 

256.21 

289.17 

321.51 

353.16 

63 

229.64 

263.82 

297.34 

330.14 

362.24 

64 

236.64 

271.42 

305.47 

338.78 

371.41 

65 

243.65 

279.02 

313.64 

347.54 

380.83 

66  250.69  286.69  321.96  356.60  390.70 


102 


AMER. 
EXP. 

MEAN 

Ord 

RESERVES 

iinary  Life 

■ 

J^% 

Years 

A^e 

11 

12 

13 

14 

15 

21 

87.27 

96.54 

106.13 

116.04 

126.29 

22 

90.79 

100.44 

110.41 

120.73 

131.39 

23 

94.47 

104.51 

114.90 

125.03 

136.71 

24 

98.31 

108.77 

119.58 

130.73 

142.25 

25 

102.33 

113.21 

124.45 

136.05 

148.02 

26 

106.53 

117.80 

129.55 

141.60 

154.03 

27 

110.91 

122.70 

134.86 

147.39 

100.31 

28 

115.49 

127.75 

140.39 

153.42 

106.84 

29 

120.27 

133.02 

146.17 

159.71 

173.05 

30 

125.27 

138.53 

152.19 

106.26 

180.73 

31 

130.48 

144.27 

158.47 

173.09 

188.11 

32 

135.91 

150.25 

165.01 

180.18 

195.75 

33 

141.58 

156.49 

171.82 

187.55 

203.09 

34 

147.49 

102.99 

178.90 

195.21 

211.91 

35 

153.60 

109.75 

186.25 

203.14 

220.39 

36 

160.07 

176.76 

193.85 

211.31 

229.11 

37 

166.73 

184.03 

201.71 

219.73 

238.08 

38 

173.03 

191.54 

209.80 

228.38 

247.27 

39 

180.77 

199.27 

218.11 

237.20 

256.70 

40 

188.11 

207.22 

220.64 

240.35 

260.32 

41 

195.67 

215.38 

235.38 

255.65 

276.15 

42 

203.40 

•      223.72 

244.30 

265.12 

286.15 

43 

211.33 

232.25 

253.41 

274.78 

296.31 

44 

219.42 

240.94 

262.67 

284.57 

300.02 

45 

227.66 

• 

249.78 

272.08 

294.52 

317.07 

40 

236.05 

258.77 

281.03 

304.63 

327.04 

47 

244.58 

267.90 

291.32 

314.80 

338.31 

48 

253.25 

277.15 

301.12 

325.11 

349.07 

49 

202.04 

286.53 

311.03 

335.49 

359.89 

50 

270.98 

296.03 

321.05 

346.00 

370.82 

51 

280.04 

305.64 

331.17 

356.57 

381.79 

52 

289.21 

315.36 

341.38 

367.22 

392.80 

53 

298.51 

325.18 

351.06 

377.89 

403.81 

54 

307.90 

335.08 

362.00 

388.60 

414.81 

55 

317.38 

345.03 

372.35 

399.29 

425.77 

56 

326.91 

355.01 

382.70 

409.93 

436.64 

57 

330.49 

365.00 

393.03 

420.53 

447.44 

58 

346.07 

374.96 

403.30 

431.03 

458.17 

59 

355.64 

384.88 

413.50 

441.50 

468.93 

60 

365.17 

394.73 

423.66 

451.99 

479.81 

61 

374.65 

404.57 

433.87 

402.64 

490.90 

62 

384.12 

414.46 

444.25 

473.57 

502.51 

63 

393.68 

424.56 

454.96 

484.95 

514.58 

64 

403.40 

435.00 

406.13 

490.88 

527.25 

65 

413.61 

445.95 

477.91 

509.46 

540.61 

66        424.34        457.57        490.40       522.81       554.64 


103 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

3J4% 

Ordinary  Life 

^ 

■^ 

Years 

A^e 

16 

17 

18 

19 

20 

21 

136.88 

147.81 

159.10 

170.74 

182.74 

22 

142.39 

153.75 

165.46 

177.54 

190.00 

23 

148.14 

159.94 

172.10 

184.63 

197.55 

24 

154.13 

166.37 

179.00 

192.01 

205.40 

25 

160.36 

173.08 

186.18 

199.68 

213.56 

2G 

166.85 

180.06 

193.66 

207.64 

222.02 

27 

173.62 

187.33 

201.43 

215.92 

230.81 

28 

180.66 

194.88 

209.50 

224.50 

239.89 

29 

187.99 

202.74 

217.87 

233.39 

249.28 

30 

195.61 

210.89 

226.55 

242.58 

258.96 

31 

203.53 

219.34 

235.53 

252.06 

268.92 

32 

211.72 

228.07 

244.77 

261.80 

279.14 

33 

220.21 

237.08 

254.29 

271.81 

289.62 

34 

228.97 

246.36 

264.07 

282.07 

300.34 

35 

237.99 

255.90 

274.10 

292.57 

311.29 

3G 

247.24 

265.66 

284.35 

303.29 

322.45 

37 

256.73 

275.66 

294.83 

314.23 

333.82 

38 

266.45 

285.88 

305.53 

325.37 

345.37 

39 

276.39 

296.30 

316.41 

336.69 

357.09 

40 

286.52 

306.92 

327.48 

348.17 

368.97 

41 

296.85 

317.72 

338.72 

359.82 

380.98 

42 

307.34 

328.67 

350.10 

371.59 

393.10 

43 

317.99 

339.77 

361.62 

383.48 

405.31 

44 

328.78 

350.99 

373.23 

395.44 

417.58 

45 

339.69 

362.32 

384.93 

407.47 

429.90 

4G 

350.69 

373.72 

396.69 

419.54 

442.22 

47 

361.79 

385.20 

408.50 

431.63 

454.54 

48 

372.96 

396.73 

420.34 

443.71 

466.81 

49 

384.19 

408.30 

432.17 

455.76 

479.02 

50 

395.47 

419.88 

444.00 

467.77 

491.15 

51 

406.77 

431.40 

455.78 

479.70 

503.15 

52 

418.08 

442.99 

467.49 

491.52 

515.03 

53 

429.36 

454.47 

479.11 

503.22 

520.81 

54 

440.58 

465.86 

490.61 

514.82 

538.54 

55 

451.74 

477.16 

502.03 

526.39 

550.32 

50 

462.78 

488.36 

513.42 

538.02 

562.25 

57 

473.77 

499.57 

524.90 

549.84 

574.44 

58 

484.76 

510.87 

536.57 

561.93 

586.98 

59 

495.87 

522.38 

548.55 

574.40 

599.93 

CO 

507.20 

534.23 

560.93 

587.30 

613.33 

61 

518.91 

546.52 

573.79 

000.71 

627.16 

62 

531.10 

559.33 

587.20 

614.59 

641.39 

63 

543.85 

572.74 

601.12 

628.91 

656.19 

64 

557.23 

586.69 

615.53 

643.84 

671.81 

65 

571.21 

601.18 

630.59 

659.66 

688.59 

66        585.81        616.41        646.65       676.74       706.62 


104 


AMER. 
EXP. 

MEAN 

RESERVES 

1/1% 

19  Payment  Life 

Years 

Atfe 

1 

2 

3 

4 

5 

21 

18.27 

33.34 

49.02 

65.32 

82.28 

22 

18.61 

34.01 

50.03 

66.69 

84.02 

23 

18.96 

34.70 

51.08 

68.11 

85.81 

24 

19.33 

35.43 

52.17 

69.58 

87.68 

25 

19.71 

36.18 

53.30 

71.10 

89.61 

26 

20.10 

36.95 

54.46 

72.67 

91.59 

27 

.    20.51 

37.75 

55.67 

74.30 

93.66 

28 

20.94 

38.58 

56.91 

75.97 

95.78 

29 

21.37 

39.43 

58.20 

77.71 

97.98 

30 

21.83 

40.32 

59.54 

79.50 

100.25 

31 

22.30 

41.25 

60.92 

81.36 

102.59 

32 

22.79 

42.19 

62.34 

83.27 

105.01 

33 

23.30 

43.17 

63.82 

85.25 

107.51 

34 

23.83 

44.20 

65.35 

87.30 

110.09 

35 

24.38 

45.26 

66.93 

89.42 

112.75 

36 

24.95 

46.35 

68.56 

91.59 

115.48 

37 

25.54 

47.48 

70.24 

93.83 

118.30 

38 

26.15 

48.65 

71.97 

96.14 

121.21 

39 

26.80 

49.86 

73.77 

98.54 

124.22 

40 

27.46 

51.12 

75.62 

101.02 

127.31 

41 

28.16 

52.43 

77.56 

103.58 

130.51 

42 

28.88 

53.78 

79.55 

106.21 

133.78 

43 

29.64 

55.19 

81.61 

108.92 

137.14 

44 

30.43 

56.64 

83.72 

111.69 

140.56 

45 

31.26 

58.14 

85.89 

114.52 

144.03 

46 

32.11 

59.68 

88.10 

117.39 

147.53 

47 

33.01 

61.27 

90.37 

120.30 

151.06 

48 

33.94 

62.89 

92.65 

123.21 

154.60 

49 

34.90 

64.53 

94.95 

126.16 

158.16 

50 

35.89 

66.21 

97.29 

129.13 

161.74 

51 

36.93 

67.94 

99.68 

132.15 

165.36 

52 

38.02 

69.71 

102.11 

135.21 

169.01 

53 

39.15 

71.54 

104.59 

138.30 

172.68 

54 

40.34 

73.42 

107.12 

141.44 

176.40 

55 

41.59 

75.36 

109.71 

144.65 

180.16 

56 

42.90 

77.37 

112.37 

147.90 

183.96 

57 

44.28 

79.45 

115.11 

151.22 

187.80 

58 

45.75 

81.63 

117.91 

154.60 

191.68 

59 

47.29 

83.87 

120.79 

158.04 

195.61 

60 

48.93 

86.21 

123.75 

161.55 

199.60 

61         50.66         88.64        126.80       165.14       203.62 


105 


AMER. 
EXP. 

MEAN 

RESERVES 

5^% 

19  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

99.92 

118.27 

137.36 

157.22 

177.87 

22 

102.04 

120.78 

140.28 

160.56 

181.66 

23 

104.23 

123.38 

143.30 

164.02 

185.57 

24 

106.50 

126.08 

146.43 

167.61 

189.62 

25 

108.85 

128.86 

149.67 

171.30 

193.80 

26 

111.27 

131.73 

153.00 

175.12 

198.11 

27 

113.79 

134.71 

156.46 

179.07 

202.58 

28 

116.37 

137.77 

160.01 

183.13 

207.10 

29 

119.04 

140.93 

163.68 

187.32 

211.89 

30 

121.80 

144.19 

167.46 

191.64 

216.75 

31 

124.65 

147.57 

171.37 

196.09 

221.77 

32 

127.59 

151.03 

175.38 

200.66 

226.91 

33 

130.62 

154.01 

179.51 

205.37 

232.21 

34 

133.74 

158.29 

183.77 

210.22 

237.67 

35 

136.96 

162.08 

188.15 

215.20 

243.27 

36 

140.27 

165.98 

192.66 

220.32 

249.02 

37 

143.68 

170.00 

197.29 

225.58 

254.91 

38 

147.19 

174.13 

202.04 

230.96 

260.92 

39 

150.82 

178.38 

206.92 

236.47 

267.06 

40 

154.55 

182.74 

211.91 

242.09 

273.30 

41 

158.37 

187.20 

217.00 

247.80 

279.62 

42 

162.29 

191.75 

222.17 

253.58 

286.00 

43 

166.29 

196.37 

227.40 

259.41 

292.43 

44 

170.34 

201.04 

232.67 

265.27 

298.87 

45 

174.43 

205.73 

237.96 

271.14 

305.31 

46 

178.54 

210.44 

243.25 

277.00 

311.73 

47 

182.68 

215.18 

248.56 

282.88 

318.15 

48 

186.82 

219.90 

253.84 

288.70 

324.50 

49 

190.98 

224.62 

259.11 

294.49 

330.81 

50 

195.14 

229.34 

264.36 

300.25 

337.06 

51 

199.33 

234.07 

269.60 

305.98 

343.25 

52 

203.53 

238.79 

274.82 

311.66 

349.36 

53 

207.75 

243.51 

280.01 

317.27 

355.37 

54 

211.99 

248.24 

285.17 

322.83 

361.29 

55 

216.26 

252.97 

290.31 

328.34 

367.13 

56 

220.54 

257.67 

295.39 

333.76 

372.84 

57 

224.84 

262.38 

300.45 

339.10 

378.40 

58 

229.17 

267.09 

305.46 

344.34 

383.82 

59 

233.52 

271.77 

310.40 

349.46 

389.04 

60 

237.88 

276.42 

315.24 

354.42 

394.05 

61        242,24        281.02        319.99       359.21       398.81 


106 


AMER. 
EXP. 

MEAN  RESERVES 

19  Payment  Life 

4 
1 

yA% 

Years 

A^e 

11 

12 

13 

14 

15 

21 

199.37 

221.73 

244.99 

269.19 

294.39 

22 

203.G1 

226.44 

250.19 

274.90 

300.62 

23 

207.99 

231.30 

255.56 

280.79 

307.05 

24 

212.52 

236.34 

261.11 

286.88 

313.69 

25 

217.20 

241.53 

266.84 

293.16 

320.53 

26 

222.03 

246.89 

272.74 

299.62 

327.58 

27 

-227.02 

252.42 

278.84 

306.30 

334.85 

28 

232.14 

258.10 

285.08 

313.13 

342.30 

29 

237.41 

263.94 

291.51 

320.17 

349.97 

30 

242.84 

269.95 

298.13 

327.41 

357.85 

31 

248.44 

276.15 

304.95 

334.86 

365.95 

32 

254.18 

282.50 

311.92 

342.48 

374.22 

33 

260.09 

289.04 

319.09 

350.30 

382.71 

34 

266.17 

295.75 

326.44 

358.30 

391.38 

35 

272.40 

302.61 

333.96 

366.48 

400.21 

36 

278.78 

309.63 

341.62 

374.79 

409.17 

37 

285.30 

316.79 

349.43 

383.23 

418.27 

38 

291.94 

324.07 

357.33 

391.78 

427.46 

39 

298.71 

331.46 

365.34 

400.42 

436.74 

40 

305.57 

338.93 

373.43 

409.13 

446.09 

41 

312.49 

346.46 

381.57 

417.89 

455.48 

42 

319.47 

354.04 

389.75 

426.68 

464.90 

43 

326.49 

361.64 

397.94 

435.47 

474.31 

44 

333.51 

369.24 

406.13 

444.25 

483.70 

45 

340.51 

376.81 

414.25 

452.95 

493.01 

46 

347.49 

384.33 

422.34 

461.60 

502.25 

47 

354.45 

391.82 

430.37 

470.19 

511.40 

48 

361.32 

399.21 

438.27 

478.61 

520.38 

49 

368.12 

406.51 

446.06 

486.91 

529.22 

50 

374.84 

413.69 

453.70 

495.03 

537.86 

51 

381.48 

420.75 

461.21 

503.00 

546.30 

52 

387.99 

427.67 

468.53 

510.74 

554.51 

53 

394.38 

434.42 

475.64 

518.22 

562.41 

54 

400.05 

441.01 

482.54 

525.45 

570.02 

55 

406.78 

447.41 

489.21 

532.41 

577.32 

56 

412.72 

453.57 

495.57 

539.00 

584.21 

57 

418.48 

459.48 

501.63 

545.23 

590.08 

58 

424.01 

465.10 

507.33 

551.05 

596.73 

59 

429.30 

470.41 

512.65 

556.45 

602.37 

60 

434.28 

475.34 

517.57 

561.45 

607.62 

61        438.95        479.92        522.13       566.10       612.54 


UNlVSKSIf*    ; 

i^f      .    /  107 


AMER. 
EXP. 

MEAN    RESERVES 

3^^% 

19  Payment  Life 

Years 

A^e 

16 

17 

18 

19 

21 

320.60 

347.89 

370.29 

405.84 

22 

327.38 

355.23 

384.21 

414.37 

23 

334.30 

302.79 

392.37 

423.10 

24 

341.58 

370.00 

400.79 

432.22 

25 

349.01 

378.04 

409.40 

441.55 

2G 

356.66 

380.91 

418.39 

451.15 

27 

364.55 

395.45 

427.59 

401.02 

28 

372.64 

404.19 

437.01 

471.15 

29 

380.95 

413.17 

440.08 

481.52 

30 

389.48 

422.38 

450.57 

492.14 

31 

398.26 

431.83 

400.73 

503.01 

32 

407.20 

441.40 

477.07 

514.08 

33 

416.36 

451.31 

487.02 

525.35 

34 

425.70 

401.34 

498.35 

530.81 

35 

435.20 

471.52 

509.24 

548.45 

30 

444.84 

481.84 

520.28 

500.23 

37 

454.60 

492.29 

531.44 

572.15 

38 

464.45 

502.83 

542.70 

584.18 

39 

474.40 

513.47 

554.00 

590.31 

40 

484.40 

524.10 

505.48 

008.51 

41 

494.45 

534.89 

570.95 

020.78 

42 

504.51 

545.05 

588.45 

033.09 

43 

514.58 

550.41 

599.95 

045.41 

44 

524.01 

507.12 

011.42 

057.71 

45 

534.55 

577.75 

022.79 

009.90 

4G 

544.41 

588.28 

034.10 

082.10 

47 

554.18 

598.74 

045.30 

094.29 

48 

503.77 

009.01 

050.39 

700.28 

49 

573.20 

019.11 

007.28 

718.13 

50 

582.41 

028.99 

077.90 

729.81 

51 

591.42 

038.05 

088.40 

741.31 

52 

000.14 

048.02 

098.00 

752.58 

53 

008.54 

057.05 

708.49 

703.59 

54 

010.03 

005.70 

718.00 

774.38 

55 

024.35 

074.09 

727.30 

784.97 

56 

031.07 

082.00 

730.24 

795.34 

57 

038.55 

089.02 

744.80 

805.55 

58 

045.04 

090.83 

753.23 

815.04 

59 

051.15 

703.74 

701.33 

825.62 

60 

050.89 

710.27 

709.10 

835.40 

01  002.31  710.54  776.77  845.15 


108 


AMER. 
EXP. 

MEAN 

RESERVES 

4 
1 

554% 

14  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

23.48 

43.98 

65.33 

87.55 

110.68 

22 

23.90 

44.81 

66.59 

89.20 

112.85 

23 

24.33 

45.68 

67.90 

91.03 

115.11 

24 

24.78 

46.58 

69.26 

92.87 

117.44 

25 

25.25 

47.51 

70.67 

94.77 

119.86 

26 

25.74 

48.46 

72.11 

96.73 

122.34 

27 

20.24 

49.46 

73.02 

98.76 

124.92 

28 

26.76 

50.48 

75.17 

100.85 

127.58 

29 

27.30 

51.54 

76.77 

103.02 

130.33 

30 

27.86 

52.64 

78.43 

105.26 

133.16 

31 

28.44 

53.78 

80.14 

107.56 

136.09 

32 

29.03 

54.95 

81.90 

109.94 

139.11 

33 

29.65 

56.15 

83.72 

112.39 

142.21 

34 

30.29 

57.41 

85.61 

114.93 

145.42 

35 

30.96 

58.71 

87.55 

117.54 

148.71 

36 

31.64 

60.03 

89.54 

120.21 

152.09 

37 

32.35 

61.41 

91.60 

122.97 

155.57 

38 

33.08 

62.81 

93.70 

125.79 

159.14 

39 

33.84 

64.27 

95.88 

128.71 

162.82 

40 

34.63 

65.77 

98.12 

131.71 

166.59 

41 

35.44 

67.33 

100.43 

134.79 

170.47 

42 

36.29 

68.93 

102.80 

137.95 

174.42 

43 

37.17 

70.58 

105.24 

141.18 

178.46 

44 

38.07 

72.27 

107.73 

144.48 

182.57 

45 

39.01 

74.01 

110.26 

147.82 

186.70 

46 

39.98 

75.78 

112.84 

151.19 

190.86 

47 

40.98 

77.59 

115.45 

154.59 

195.04 

48 

42.01 

79.42 

118.07 

157.98 

199.21 

49 

43.06 

81.26 

120.68 

161.37 

203.38 

50 

44.14 

83.12 

123.31 

164.76 

207.52 

51 

45.25 

85.01 

125.96 

168.16 

211.66 

52 

46.40 

86.92 

128.62 

171.55 

215.77 

53 

47.59 

88.86 

131.28 

174.93 

219.84 

54 

48.80 

90.81 

133.95 

178.28 

223.88 

55 

50.07 

92.79 

136.62 

181.62 

227.87 

56 

51.37 

94.79 

139.30 

184.95 

231.81 

57 

52.72 

96.83 

141.99 

188.24 

235.69 

58 

54.13 

98.91 

144.68 

191.50 

239.49 

59 

55.60 

101.01 

147.36 

194.72 

243.20 

60 

57.13 

103.14 

150.04 

197.91 

246.85 

61         58.72        105.32        152.73       201.06       250.41 


109 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

}^% 

14  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

134.76 

159.84 

185.95 

213.14 

241.45 

22 

137.42 

163.00 

189.63 

217.35 

246.23 

23 

140.18 

166.27 

193.44 

221.73 

251.19 

24 

143.03 

169.66 

197.38 

226.25 

256.31 

25 

145.97 

173.15 

201.45 

230.92 

261.59 

26 

149.00 

176.76 

205.65 

235.72 

267.04 

27 

152.15 

180.50 

210.00 

240.71 

272.68 

28 

155.40 

184.34 

214.48 

245.84 

278.50 

29 

158.74 

188.32 

219.10 

251.14 

284.49 

30 

162.20 

192.43 

223.87 

256.60 

290.67 

31 

165.77 

196.65 

228.78 

262.21 

297.01 

32 

169.44 

201.00 

233.84 

268.00 

303.55 

33 

173.23 

205.48 

239.04 

273.95 

310.27 

34 

177.12 

210.09 

244.38 

280.06 

317.18 

35 

181.12 

214.83 

249.88 

286.35 

324.28 

36 

185.23 

219.68 

255.52 

292.78 

331.54 

37 

189.46 

224.69 

261.32 

299.40 

339.01 

38 

193.80 

229.81 

267.25 

306.16 

346.61 

39 

198.25 

235.07 

273.32 

313.07 

354.38 

40 

202.82 

240.45 

279.52 

320.12 

362.29 

41 

207.50 

245.94 

285.85 

327.28 

370.30 

42 

212.26 

251.52 

292.26 

334.52 

378.40 

43 

217.11 

257.19 

298.74 

341.84 

386.58 

44 

222.03 

262.91 

305.29 

349.23 

394.83 

45 

226.96 

268.64 

311.83 

356.60 

403.06 

46 

231.91 

274.40 

318.40 

364.00 

411.32 

47 

236.88 

280.16 

324.96 

371.39 

419.57 

48 

241.83 

285.89 

331.50 

378.75 

427.77 

49 

246.76 

291.60 

337.99 

386.05 

435.93 

50 

251.66 

297.26 

344.42 

393.28 

443.99 

51 

256.54 

302.87 

350.79 

400.44 

451.97 

52 

261.36 

308.42 

357.08 

407.48 

459.81 

53 

266.13 

313.89 

363.25 

414.38 

467.50 

54 

270.84 

319.26 

369.30 

421.14 

475.01 

55 

275.46 

324.52 

375.20 

427.71 

482.33 

56 

280.00 

329.64 

380.93 

434.09 

489.41 

57 

284.43 

334.63 

386.49 

440.24 

496.21 

58 

288.75 

339.47 

391.84 

446.14 

502.73 

59 

292.95 

344.12 

396.94 

451.73 

508.89 

60 

297.01 

348.57 

401.80 

457.02 

514.69 

61  300.91  352.81  406.36  461.95  520.08 


110 


AMER. 
EXP. 

MEAN  RESERVES 

3V2% 

14  Payment  Life 

Years 

A^e 

11 

12 

13 

14 

21 

270.94 

301.65 

333.65 

366.97 

22 

276.31 

307.63 

340.25 

374.25 

23 

281.87 

313.82 

347.10 

381.78 

24 

287.61 

320.21 

354.17 

389.55 

25 

293.54 

326.81 

361.47 

397.56 

26 

299.65 

333.61 

368.98 

405.83 

27 

305.98 

340.65 

376.76 

414.37 

28 

312.49 

347.89 

384.76 

423.16 

29 

319.20 

355.35 

393.00 

432.22 

30 

326.13 

363.05 

401.50 

441.55 

31 

333.23 

370.95 

410.23 

451.14 

32 

340.56 

379.09 

419.22 

461.01 

33 

348.09 

387.45 

428.45 

471.14 

34 

355.82 

396.04 

437.91 

481.52 

35 

363.76 

404.85 

447.61 

492.15 

36 

371.87 

413.83 

457.51 

503.00 

37 

380.20 

423.06 

467.66 

514.09 

38 

388.68 

432.43 

477.96 

525.36 

39 

397.32 

441.97 

488.43 

536.81 

40 

406.10 

451.66 

499.07 

548.45 

41 

415.00 

461.47 

509.84 

560.23 

42 

423.98 

471.38 

520.71 

572.14 

43 

433.05 

481.38 

531.70 

584.18 

44 

442.19 

491.46 

542.78 

596.32 

45 

451.32 

501.53 

553.86 

608.51 

46 

460.48 

511.64 

565.00     . 

620.78 

47 

469.63 

521.75 

576.16 

633.09 

48 

478.74 

531.83 

587.29 

645.40 

49 

487.79 

541.86 

598.39 

657.70 

50 

496.75 

551.78 

609.40 

669.95 

51 

505.61 

561.62 

620.34 

682.16 

52 

514.31 

571.29 

631.12 

694.27 

53 

522.87 

580.83 

641.79 

706.27 

54 

531.23 

590.16 

652.25 

718.12 

55 

539.37 

599.24 

662.50 

729.81 

56 

547.24 

608.07 

672.50 

741.3a 

57 

554.82 

616.58 

682.20 

752.56 

58 

562.06 

624.76 

691.60 

763.60 

59 

568.93 

632.54 

700.63 

774.38 

60 

575.40 

639.93 

709.33 

784.95 

61  581.42  646.89  717.68  795.34 


Ill 


AMER. 
EXP. 


MEAN   RESERVES  3^^ 

9  Payment  Life 
Years 


A^e 

1 

2 

3 

4 

5 

21 

34.73 

66.98 

100.58 

135.59 

172.06 

22 

35.33 

68.18 

102.40 

138.06 

175.21 

23 

35.95 

69.41 

104.28 

140.61 

178.46 

24 

36.59 

70.70 

106.24 

143.26 

181.84 

25 

37.25 

72.03 

108.26 

146.00 

185.33 

26 

37.94 

73.40 

110.34 

148.83 

188.93 

27 

38.65 

74.82 

112.50 

151.75 

192.65 

28 

39.39 

76.29 

114.73 

154.78 

196.51 

29 

40.15 

77.80 

iy.03 

157.90 

200.48 

30 

40.94 

79.38 

119.42 

161.13 

204.59 

31 

41.75 

81.00 

121.88 

164.46 

208.83 

32 

42.60 

82.67 

124.41 

167.90 

213.21 

33 

43.47 

84.40 

127.04 

171.45 

217.72 

34 

44.37 

86.19 

129.74 

175.11 

222.38 

35 

45.30 

88.03 

132.53 

178.88 

227.16 

36 

46.26 

89.93 

135.40 

182.75 

232.08 

37 

47.26 

91.89 

138.35 

186.74 

237.15 

38 

48.28 

93.89 

141.38 

190.83 

242.35 

39 

49.34 

95.96 

144.50 

195.05 

247.70 

40 

50.42 

98.08 

147.70 

199.37 

253.19 

41 

51.55 

100.28 

151.00 

203.82 

258.82 

42 

52.71 

102.53 

154.38 

208.36 

264.57 

43 

53.91 

104.84 

157.85 

213.01 

270.44 

44 

55.14 

107.21 

161.38 

217.74 

276.42 

45 

56.41 

109.63 

164.98 

222.56 

282.49 

46 

57.71 

112.09 

168.63 

227.43 

288.61 

47 

59.05 

114.60 

172.34 

232.35 

294.78 

48 

60.42 

117.14 

176.06 

237.29 

300.99 

49 

61.81 

119.69 

179.79 

242.24 

307.21 

50 

63.23 

122.25 

183.53 

247.20 

313.43 

51 

64.67 

124.84 

187.29 

252.18 

319.67 

52 

66.15 

127.44 

191.05 

257.13 

325.87 

53 

67.65 

130.05 

194.79 

262.05 

332.03 

54 

69.18 

132.67 

198.52 

266.93 

338.15 

55 

70.73 

135.28 

202.22 

271.77 

344.19 

56 

72.31 

137.88 

205.88 

276.54 

350.13 

57 

73.92 

140.48 

209.50 

281.23 

355.96 

58 

75.56 

143.07 

213.06 

285.80 

361.64 

59 

77.23 

145.63 

216.54 

290.26 

367.16 

60 

78.92 

148.17 

219.94 

294.58 

372.50 

61         80.65        150.67        223.25       298.75       377.63 


112 


AMER. 
EXP. 

MEAN    RESERVES 

3^% 

9  Payment  Life 

Years 

Atfe 

6 

7 

8 

9 

21 

210.07 

249.68 

290.97 

334.00 

22 

213.92 

254.27 

296.32 

340.15 

23 

217.91 

259.01 

301.86 

346.52 

24 

222.04 

263.93 

307.60 

353.11 

25 

226.30 

269.01 

313.53 

359.93 

26 

230.71 

274.26 

319.65 

366.97 

27 

235.27 

279.69 

325.98 

374.25 

28 

239.99 

285.30 

332.54 

381.78 

29 

.  244.85 

.,291.09 

339.29 

389.54 

30 

249.88 

297.08 

346.28 

397.56 

31 

255.07 

303.25 

353.47 

405.83 

32 

260.41 

309.61 

360.90 

414.36 

33 

265.94 

316.18 

368.56 

423.16 

34 

271.62 

322.94 

376.44 

432.22 

35 

277.47 

329.89 

384.55 

441.55 

36 

283.48 

337.05 

392.90 

451.14 

37 

289.67 

344.42 

401.49 

461.01 

38 

296.02 

351.97 

410.30 

471.13 

39 

302.56 

359.74 

419.35 

481.52 

40 

309.25 

367.68 

428.59 

492.14 

41 

316.11 

375.82 

438.07 

503.00 

42 

323.11 

384.12 

447.73 

514.08 

43 

330.26 

392.58 

457.56 

525.36 

44 

337.52 

401.17 

467.54 

536.81 

45 

344.87 

409.87 

477.67 

548.45 

46 

352.29 

418.65 

487.89 

560.23 

47 

359.78 

427.53 

498.23 

572.14 

48 

367.31 

436.45 

508.65 

584.18 

49 

374.86 

445.42 

519.13 

596.31 

50 

382.42 

454.40 

529.65 

608.51 

51 

389.99 

463.40 

540.21 

620.78 

52 

397.52 

472.36 

550.75 

633.09 

53 

405.01 

481.30 

561.27 

645.40 

54 

412.44 

490.17 

571.75 

657.69 

55 

419.79 

498.94 

582.14 

669.96 

56 

427.00 

507.59 

592.42 

682.16 

57 

434.09 

516.10 

602.59 

694.28 

58 

441.00 

524.42 

612.57 

706.27 

59 

447.73 

532.55 

622.37 

718.13 

60 

454.23 

540.42 

631.92 

729.81 

61  460.47  548.01  641.21  741.29 


113 


AMER. 
EXP. 

MEAN 

RESERVES 

4 
1 

y/z% 

19  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

5 

21 

38.30 

74.26 

111.74 

150.79 

191.49 

22 

38.32 

74.28 

111.75 

150.80 

191.48 

23 

38.34 

74.30 

111.76 

150.81 

191.49 

24 

38.36 

74.32 

111.78 

150.82 

191.50 

25 

38.39 

74.35 

111.80 

150.84 

191.51 

26 

38.42 

74.38 

111.83 

150.86 

191.53 

27 

38.45 

74.41 

111.86 

150.89 

191.55 

28 

38.49 

74.45 

111.90 

150.93 

191.58 

29 

38.53 

74.49 

111.95 

150.97 

191.62 

30 

38.57 

74.54 

112.01 

151.02 

191.67 

31 

38.62 

74.60 

112.08 

151.08 

191.73 

32 

38.68 

74.67 

112.13 

151.16 

191.80 

33 

38.74 

74.75 

112.25 

151.25 

191.89 

34 

38.81 

74.84 

112.35 

151.36 

192.00 

35 

38.89 

74.94 

112.47 

151.49 

192.13 

36 

38.98 

75.06 

112.61 

151.64 

192.29 

37 

39.09 

75.20 

112.77 

151.82 

192.48 

38 

39.21 

75.36 

112.96 

152.03 

192.71 

39 

39.35 

75.55 

113.18 

152.29 

192.99 

40 

39.51 

75.77 

113.45 

152.60 

193.32 

41 

39.69 

76.02 

113.77 

152.97 

193.71 

42 

39.89 

76.30 

114.14 

153.40 

194.19 

43 

40.12 

76.62 

114.55 

153.88 

194.70 

44 

40.38 

76.99 

115.00 

154.41 

195.26 

45 

40.67 

77.41 

115.50 

154.98 

195.87 

46 

40.99 

77.88 

116.05 

155.59 

196.51 

47 

41.35 

78.39 

116.67 

156.27 

197.18 

48 

41.75 

78.93 

117.29 

156.94 

197.88 

49 

42.19 

79.51 

117.98 

157.69 

198.64 

50 

42.68 

80.14 

118.72 

158.49 

199.45 

51 

43.22 

80.83 

119.53 

159.36 

200.33 

52 

43.81 

81.59 

120.41 

160.31 

201.30 

53 

44.47 

82.43 

121.38 

161.35 

202.36 

54 

45.19 

83.35 

122.45 

162.49 

203.53 

55 

45.99 

84.36 

123.62 

163.75 

204.82 

56 

46.84 

85.48 

124.91 

165.14 

206.24 

57 

47.81 

86.71 

126.33 

166.67 

207.80 

58 

48.90 

88.06 

127.88 

168.34 

209.50 

59 

50.04 

89.53 

129.57 

170.16 

211.35 

60 

51.32 

91.13 

131.41 

172.14 

213.36 

61  52.74  92.88  133.41  174.29  215.54 


114 


AMER. 
EXP. 

MEAN 

RESERVES 

■ 

y/2% 

19  Year  Endowment 

Years 

Aie 

6 

7 

8 

9 

10 

21 

233.90 

278.11 

324.20 

372.25 

422.35 

22 

233.89 

278.10 

324.17 

372.21 

422.30 

23 

233.89 

278.09 

324.15 

372.18 

422.26 

24 

233.89 

278.08 

324.13 

372.15 

422.22 

25 

233.90 

278.08 

324.12 

372.12 

422.18 

26 

233.91 

278.08 

324.11 

372.10 

422.14 

27 

233.92 

278.08 

324.10 

372.08 

422.11 

28 

233.94 

278.09 

324.10 

372.07 

422.08 

29 

233.97 

278.11 

324.11 

372.06 

422.06 

30 

234.01 

278.14 

324.13 

372.06 

422.04 

31 

234.06 

278.18 

324.16 

372.07 

422.02 

32 

234.13 

278.23 

324.20 

372.09 

422.02 

33 

234.22 

278.30 

324.26 

372.12 

422.03 

34 

234.33 

278.39 

324.34 

372.17 

422.06 

35 

234.46 

278.51 

324.44 

372.25 

422.11 

36 

234.62 

278.66 

324.58 

372,37 

422.19 

37 

234.80 

278.86 

324.76 

372.53 

422.30 

38 

235.04 

279.11 

324.98 

372.73 

422.45 

39 

235.33 

279.40 

325.25 

372.97 

422.63 

40 

235.68 

279.74 

325.57 

373.25 

422.83 

41 

236.09 

280.14 

325.94 

373.56 

423.05 

42 

236.56 

280.59 

326.35 

373.90 

423.29 

43 

237.08 

281.09 

326.79 

374.26 

423.54 

44 

237.65 

281.62 

327.25 

374.61 

423.78 

45 

238.25 

282.15 

327.72 

374.96 

424.02 

46 

238.86 

282.73 

328.20 

375.32 

424.25 

47 

239.52 

283.34 

328.69 

375.69 

424.47 

48 

240.18 

283.93 

329.20 

376.07 

424.68 

49 

240.91 

284.58 

329.73 

376.47 

424.89 

50 

241.68 

285.28 

330.29 

376.88 

425.09 

51 

242.51 

286.03 

330.90 

377.31 

425.32 

52 

243.46 

286.86 

331.61 

377.79 

425.58 

53 

244.45 

287.78 

332.34 

378.34 

425.88 

54 

245.58 

288.80 

333.19 

378.96 

426.23 

55   . 

246.83 

289.96 

334.17 

379.66 

426.63 

56 

248.21 

291.19 

335.18 

380.45 

427.09 

57 

249.72 

292.54 

336.38 

381.33 

427.60 

58 

251.37 

294.06 

337.65 

382.28 

428.13 

59 

253.16 

295.69 

339.01 

383.28 

428.68 

60 

255.09     . 

297.44 

340.44 

384.32 

429.21 

61  257.17  299.31  341.99  385.39  429.73 


115 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

J  5^% 

19  Year  Endowment 

Years 

A^e 

11 

12 

13 

14 

15 

21 

474.59 

529.08 

585.92 

645.21 

707.09 

22 

474.53 

529.01 

585.83 

645.13 

707.01 

23 

474.48 

528.95 

585.77 

645.06 

706.94 

24 

474.43 

528.89 

585.70 

644.98 

706.86 

25 

474.38 

528.83 

585.63 

644.90 

706.78 

26 

474.33 

528.77 

585.55 

644.81 

706.69 

27 

474.28 

528.71 

585.47 

644.71 

706.58 

28 

474.23 

528.64 

585.39 

644.61 

706.48 

29 

474.19 

528.57 

585.31 

644.51 

706.38 

30 

474.15 

528.50 

585.22 

644.41 

706.27 

31 

474.11 

528.44 

585.13 

644.31 

706.15 

32 

474.08 

528.39 

585.04 

644.21 

706.03 

33 

474.07 

528.35 

584.98 

644.11 

705.92 

34 

474.07 

528.32 

584.92 

644.01 

705.80 

35 

474.09 

528.31 

584.86 

643.91 

705.67 

36 

474.14 

528.32 

584.82 

643.81 

705.53 

37 

474.21 

528.34 

584.78 

643.71 

705.37 

38 

474.31 

528.37 

584.73 

643.60 

705.18 

39 

474.43 

528.40 

584.67 

643.47 

704.96 

40 

474.56 

528.43 

584.60 

643.31 

704.72 

41 

474.69 

528.45 

584.51 

643.11 

704.45 

42 

474.82 

528.46 

584.39 

642.88 

704.15 

43 

474.94 

528.45 

584.24 

642.62 

703.80 

44 

475.04 

528.41 

584.05 

642.31 

703.39 

45 

475.13 

528.34 

583.82 

641.94 

702.92 

46 

475.20 

528.23 

583.54 

641.51 

702.37 

47 

475.24 

528.07 

583.21 

641.01 

701.74 

48 

475.26 

527.87 

582.83 

640.44 

701.03 

49 

475.25 

527.64 

582.40 

639.81 

700.24 

50 

475.24 

527.37 

581.92 

639.11 

699.36 

51 

475.23 

527.08 

581.39 

638.35 

698.39 

52 

475.21 

526.78 

580.80 

637.51 

697.23 

53 

475.22 

526.47 

580.16 

636.58 

696.16 

54 

475.24 

526.15 

579.47 

635.56 

694.87 

55 

475.28 

525.81 

578.72 

634.42 

693.44 

56 

475.34 

525.45 

577.92 

633.18 

691.87 

57 

475.42 

525.05 

577.04 

631.80 

690.13 

58 

475.46 

524.58 

576.02 

630.24 

688.17 

59 

475.45 

524.01 

574.81 

628.48 

686.02 

60 

475.38 

523.28 

573.44 

626.55 

683.64 

61        475.23        522.45        571.95       624.49       681.17 


116 


AMER. 
EXP. 

MEAN   RESERVES 

35^% 

19  Year  Endowment 

Years 

A^e 

16 

17 

18 

19 

21 

771.68 

839.11 

909.54 

983.10 

22 

771.60 

839.04 

909.49 

983.10 

23 

771.54 

838.98 

9(»9.40 

983.10 

24 

771.40 

838.92 

909.42 

983.10 

25 

771.38 

838.86 

909.38 

983.10 

26 

771.29 

838.79 

909.33 

983.10 

27 

771.19 

838.71 

909.27 

983.10 

28 

771.09 

838.62 

909.21 

983.10 

29 

770.99 

838.53 

909.15 

983.10 

30 

770.88 

838.43 

909.08 

983.10 

31 

770.75 

838.31 

909.00 

983.10 

32 

770.62 

838.18 

908.92 

983.10 

33 

770.50 

838.06 

908.84 

983.10 

34 

770.36 

837.92 

908.75 

983.10 

35 

770.21 

837.77 

908.65 

983.10 

36 

770.05 

837.61 

908.54 

983.10 

37 

769.86 

837.43 

908.41 

983.10 

38 

769.64 

837.22 

908.26 

983.10 

39 

769.39 

836.99 

908.09 

983.10 

40 

769.11 

836.73 

907.90 

983.10 

41 

768.78 

836.43 

907.69 

983.10 

42 

768.42 

836.10 

907.46 

983.10 

43 

768.01 

835.72 

907.20 

983.10 

44 

767.53 

835.26 

906.90 

983.10 

45 

766.99 

834.74 

906.56 

983.10 

46 

766.39 

834.16 

906.16 

983.10 

47 

765.71 

833.52 

905.73 

983.10 

48 

764.94 

832.82 

905.25 

983.10 

49 

764.07 

832.06 

904.72 

983.10 

50 

763.11 

831.04 

904.12 

983.10 

51 

762.06 

830.14 

903.46 

983.10 

52 

760.91 

829.05 

902.72 

983.10 

53 

759.63 

827.85 

901.89 

983.10 

54 

758.21 

826.52 

900.97 

983.10 

55 

756.64 

825.04 

899.95 

983.10 

56 

754.90 

823.40 

898.83 

983.10 

57 

752.97 

821.59 

897.59 

983.10 

58 

750.82 

819.59 

896.23 

983.10 

59 

748.47 

817.40 

894.73 

983.10 

60 

745.94 

815.03 

893.08 

983.10 

61  743.20  812.51  891.31  983.10 


117 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

y/i% 

14  Year  Endowment 

Years 

4^e 

1 

2 

3 

4 

5 

21 

56.30 

111.04 

168.10 

227.59 

289.61 

22 

56.31 

111.04 

168.09 

227.57 

289.58 

23 

56.32 

111.04 

168.08 

227.55 

289.55 

24 

56.33 

111.04 

168.07 

227.53 

289.52 

25 

56.34 

111.04 

168.06 

227.51 

289.49 

2G 

56.36 

111.05 

168.05 

227.49 

289.46 

27 

56.38 

111.06 

168.05 

227.47 

289.43 

28 

56.40 

111.07 

168.05 

227.45 

289.40 

29 

56.43 

111.08 

168.05 

227.43 

289.36 

30 

56.46 

111.09 

168.05 

227.41 

289.33 

31 

56.49 

111.11 

168.05 

227.40 

289.30 

32 

56.52 

111.13 

168.05 

227.39 

289.27 

33 

56.55 

111.15 

168.06 

227.38 

289.24 

34 

56.59 

111.17 

168.07 

227.37 

289.21 

35 

56.64 

111.20 

168.09 

227.37 

289.18 

36 

56.69 

111.24 

168.11 

227.37 

289.15 

37 

56.75 

111.29 

168.14 

227.38 

289.13 

38 

56.82 

111.35 

168.18 

227.39 

289.12 

39 

56.90 

111.42 

168.23 

227.41 

289.11 

40 

56.98 

111.50 

168.29 

227.45 

289.12 

41 

57.08 

111.60 

168.37 

227.52 

289.16 

42 

57.20 

111.72 

168.48 

227.61 

289.22 

43 

57.34 

111.86 

168.62 

227.72 

289.29 

44 

57.50 

112.02 

168.78 

227.85 

289.37 

45 

57.68 

112.21 

168.96 

227.99 

289.44 

4G 

57.88 

112.42 

169.15 

228.13 

289.50 

47 

58.10 

112.65 

169.34 

228.26 

289.54 

48 

58.34 

112.89 

169.53 

228.37 

289.55 

49 

58.61 

113.14 

169.72 

228.47 

289.53 

50 

58.91 

113.41 

169.91 

228.56 

289.49 

51 

59.24 

113.70 

170.11 

228.65 

289.43 

52 

59.60 

114.01 

170.33 

228.74 

289.35 

53 

•  60.00 

114.35 

170.57 

228.84 

289.26 

54 

00.45 

114.73 

170.84 

228.95 

289.17 

55 

60.95 

115.15 

171.14 

229.08 

289.08 

5G 

61.50 

115.62 

171.48 

229.23 

288.99 

57 

62.11 

116.15 

171.87 

229.41 

288.91 

58 

62.79 

116.75 

172.31 

229.62 

288.84 

59 

63.55 

117.42 

172.80 

229.84 

288.77 

60 

64.40 

118.17 

173.35 

230.16 

288.75 

61  65.34  119.00  173.97  230.48  288.72 


118 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

1 

4 

y/:t% 

14  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

lO 

21 

354.29 

421.74 

492.09 

565.47 

642.03 

22 

354.25 

421.70 

492.04 

565.41 

641.97 

23 

354.21 

421.65 

491.98 

565.35 

641.90 

24 

354.17 

421.60 

491.92 

565.29 

641.83 

25 

354.13 

421.54 

491.86 

565.22 

641.76 

26 

354.09 

421.48 

491.79 

565.14 

641.68 

27 

354.04 

421.42 

491.72 

565.06 

641.60 

28 

353.99 

421.36 

491.65 

564.98 

641.52 

29 

353.94 

421.30 

491.57 

564.89 

641.43 

30 

353.89 

421.24 

491.49 

564.80 

641.33 

31 

353.84 

421.17 

491.41 

564.71 

641.22 

32 

353.79 

421.10 

491.32 

564.60 

641.10 

33 

353.74 

421.02 

491.22 

564.49 

640.98 

34 

353.69 

420.94 

491.12 

564.37 

640.85 

35 

353.63 

420.86 

491.01 

564.24 

640.71 

36 

353.57 

420.78. 

490.90 

564.11 

640.50 

37 

353.52 

420.70 

490.79 

563.97 

640.41 

38 

353.48 

420.62 

490.68 

563.82 

640.24 

39 

353.45 

420.55 

490.57 

563.67 

040.06 

40 

353.43 

420.49 

490.46 

563.52 

639.88 

41 

353.42 

420.44 

490.35 

563.36 

639.68 

42 

353.43 

420.39 

490.23 

563.18 

639.44 

43 

353.44 

420.33 

490.10 

562.97 

639.16 

44 

353.45 

420.25 

489.92 

562.71 

638.83 

45 

353.43 

420.14 

489.73 

562.40 

638.45 

46 

353.39 

419.98 

489.46 

502.03 

638.00 

47 

353.31 

419.77 

489.12 

561.59 

637.48 

48 

353.19 

419.51 

488.72 

561.08 

630.88 

49 

353.03 

419.20 

488.26 

560.49 

636.20 

50 

352.84 

418.84 

487.74 

559.82 

635.43 

51 

352.62 

418.43 

487.15 

559.07 

634.57 

52 

352.37 

417.97 

486.50 

558.24 

633.62 

53 

352.09 

417.40 

485.78 

557.33      . 

632.56 

54 

351.78 

416.91 

484.99 

556.33 

631.43 

55  .; 

351.42 

416.31 

484.12 

555.23 

630.15 

56 

351.06 

415.66 

483.17 

554.02 

628.75 

57 

350.68 

414.96 

482.14 

552.70 

627.22 

58 

350.27 

414.21 

481.03 

551.26 

625.54 

59 

349.85 

413.40 

479.83 

549.69 

623.70 

60 

349.44 

412.55 

478.52 

547.97 

021.68 

61        348.98        411.62        477.09       546.09       619.45 


11^ 


AMER. 
EXP. 

MEAN    RESERVES 

354% 

14  Year  Endowment 

Years 

A^e 

11 

12 

13 

14 

21 

721.90 

805.26 

892.26 

983.10 

22 

721.84 

805.21 

892.23 

983.10 

23 

721.78 

805.16 

892.20 

983.10 

24 

721.72 

805.10 

892.17 

983.10 

25 

721.66 

805.04 

892.13 

983.10 

20 

721.59 

804.98 

892.09 

983.10 

27 

721.52 

804.92 

892.05 

983.10 

28 

721.43 

804.85 

892.01 

983.10 

29 

721.33 

804.78 

891.96 

983.10 

30 

721.23 

804.70 

891.91 

983.10 

31 

721.13 

804.61 

891-85 

983.10 

32 

721.02 

804.51 

891.79 

983.10 

33 

720.90 

804.40 

891.72 

983.10 

34 

720.77 

804.29 

891.65 

983.10 

35 

720.63 

804.17 

891.57 

983.10 

36 

720.48 

804.03 

891.49 

983.10 

37 

720.32 

803.88 

891.40 

983.10 

38 

720.15 

803.71 

891.29 

983.10 

39 

719.96 

803.52 

891.17 

983.10 

40 

719.75 

803.32 

891.03 

983.10 

41 

719.51 

803.11 

890.87 

983.10 

42 

719.24 

802.87 

890.69 

983.10 

43 

718.93 

802.58 

890.49 

983.10 

44 

718.57 

802.26 

890.27 

983.10 

45 

718.15 

801.89 

890.02 

983.10 

4G 

717.67 

801.45 

889.73 

983.10 

47 

717.12 

800.94 

889.40 

983.10 

48 

716.49 

800.36 

889.03 

983.10 

49 

715.78 

799.71 

888.61 

983.10 

50 

714.98 

798.99 

888.12 

983.10 

51 

714.09 

798.19 

887.58 

983.10 

52 

713.10 

797.30 

886.99 

983.10 

53 

712.01 

796.31 

886.35 

983.10 

54 

710.81 

795.22 

885.64 

983.10 

55 

709.48 

794.02 

884.84    ■  ' 

983.10 

56 

708.01 

792.69 

883.95 

983.10 

57 

706.39 

791.22 

882.96 

983.10 

58 

704.61 

789.60 

881.87    . 

983.10 

59 

702.65 

787.81 

880.67 

983.10 

60 

700.49 

785.82 

879.34 

983.10 

61  698.10  783.60  877.86   •  ;       983.10 


120 


AMER. 
EXP. 

MEAN 

9  Yeai 

RESERVES 

r  Endowment 

■ 

iV:i% 

Years 

Ai» 

1 

2 

3 

4 

S 

21 

95.19 

190.51 

289.91 

393.57 

501.71 

22 

95.19 

190.50 

289.89 

393.54 

501.67 

28 

95.20 

190.49 

289.87 

393.51 

501.63 

24 

95.21 

190.48 

289.85 

393.48 

501.59 

25 

95.22 

190.47 

289.83 

393.45 

501.55 

26 

95.23 

190.46 

289.80 

393.41 

501.50 

27 

.     95.24 

190.45 

289.77 

393.37 

501.45 

28 

95.25 

190.44 

289.74 

393.33 

501.40 

29 

95.26 

190.43 

289.71 

393.28 

501.34 

30 

95.27 

190.42 

289.68 

393.23 

501.28 

31 

95.28 

190.41 

289.65 

393.18 

501.21 

32 

95.29 

190.40 

289.61 

393.12 

501.14 

38 

95.31 

190.39 

289.57 

393.06 

501.07 

34 

95.33 

190.38 

289.53 

393.00 

500.99 

35 

95.35 

190.37 

289.49 

392.93 

500.90 

36 

95.38 

190.36 

289.45 

392.86 

500.81 

37 

95.41 

190.35 

289.40 

392.78 

500.71 

38 

95.44 

190.33 

289.35 

392.69 

500.60 

39 

95.47 

190.31 

289.30 

392.59 

500.47 

40 

95.51 

190.30 

289.24 

392.49 

500.33 

41 

95.56 

190.30 

289.18 

382.39 

500.19 

43 

95.61 

190.30 

289.12 

392.28 

500.04 

48 

95.67 

190.31 

289.06 

392.17 

499.87 

44 

95.75 

190.32 

289.00 

392.05 

499.68 

45 

95.84 

190.33 

288.94 

391.91 

499.49 

46 

95.94 

190.35 

288.87 

391.74 

499.24 

47 

96.05 

190.37 

288.78 

391.54 

498.96 

48 

96.17 

190.38 

288.66 

391.30 

498.60 

49 

96.30 

190.37 

288.51 

391.02 

498  22 

50 

96.44 

190.36 

288.33 

390.69 

497.78 

51 

96.60 

190.34 

288.13 

390.31 

497.27 

52 

96.78 

190.31 

287.90 

389.88 

496.69 

58 

96.98 

190.28 

287.63 

389.40 

496.04 

54 

97.20 

190.25 

287.34 

388.87 

495.32 

56 

97.44 

190.20 

287.00 

388.29 

494.53 

56 

97.71 

190.16 

286.64 

387.65 

493.66 

57 

98.01 

190.12 

286.25 

386.94 

492.70 

58 

98.35 

190.07 

285.82 

386.16 

491.64 

59 

98.73 

190.02 

285.35 

385.30 

490.47 

60 

99.16 

189.97 

284.84 

384.35 

489.18 

61         99.64        189.92        284.29       383.31       487.77 


121 


AMER. 
EXP. 

MEAN   RESERVES 

35^% 

9  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

21 

014.50 

732.17 

854.90 

983.10 

22 

014.40 

732.14 

854.94 

983.10 

23 

614.42 

732.11 

854.92 

983.10 

24 

614.38 

732.08 

854.90 

983.10 

25 

014.34 

732.04 

854.87 

983.10 

20 

614.29 

731.99 

854.84 

983.10 

27 

614-23 

731.94 

854.81 

983.10 

28 

614.17 

731.89 

854.78 

983.10 

29 

614.11 

731.83 

854.74 

983.10 

30 

614.05 

731.77 

854.70 

983.10 

31 

613.98 

731.71 

854.00 

983.10 

32 

613.90 

731.04 

854.02 

983.10 

33 

613.82 

731.57 

854.57 

983.10 

34 

013.73 

731.49 

854.51 

983.10 

35 

013.04 

731.40 

854.45 

983.10 

36 

013.54 

731.30 

854.38 

983.10 

37 

013.43 

731.19 

854.31 

983.10 

38 

013.31 

731.07 

854.23 

983.10 

39 

013.15 

730.94 

854.14 

983.10 

40 

013.00 

730.80 

854.04 

983.10 

41 

012.80 

730.05 

853.93 

983.10 

42 

012.08 

730.48 

853.81 

983.10 

43 

012.48 

730.29 

853.08 

983.10 

44 

012.20 

730.07 

853.53 

983.10 

45 

012.01 

729.82 

853.30 

983.10 

46 

011.72 

729.53 

853.10 

983.10 

47 

011.38 

729.20 

852.93 

983.10 

48 

010.98 

728.82 

852.07 

983.10 

49 

010.52 

728.38 

852.37 

983.10 

50 

010.00 

727.88 

852.03 

983.10 

51 

009.42 

727.32 

851.05 

983.10 

52 

008.77 

720.70 

851.23 

983.10 

53 

008.04 

720.01 

850.70 

983.10 

54 

007.23 

725.25 

850.23 

983.]0 

55 

000.33 

724.41 

849.04 

983.10 

50 

005.34 

723.47 

848.99 

983.10 

57 

004.24 

722.42 

848.27 

983.10 

58 

003.02 

721.25 

847.47 

983.10 

59 

001.07 

719.90 

840.58 

983.10 

60 

000.19 

718.54 

845.59 

983.10 

61  598.57  710.98  844.50  983,10 


122 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

y/:i% 

20  Year  Mortuary  Additions 

Years 

Atfe 

1 

2 

3 

4 

3 

20 

73.92 

71.56 

69.10 

66.58 

68.86 

21 

74.90 

72.54 

70.07 

67.50 

64.82 

22 

75.9G 

78.59 

71.12 

68.55 

65.86 

23 

77.12 

74.75 

72.28 

69.71 

67.01 

24 

78.39 

76.08 

78.56 

70.97 

68.27 

25 

79.80 

77.44 

74.96 

72.87 

69.66 

26 

.    81.34 

78.98 

76.51 

73.92 

71.20 

27 

83.06 

80.71 

78.28 

75.64 

72.91 

28 

84.97 

82.63 

80.15 

77.56 

74.83 

29 

87.11 

84.77 

82.31 

79.71 

76.98 

30 

89.52 

87.19 

84.74 

82.15 

79.40 

31 

92.28 

89.92 

87.47 

84.88 

82.14 

32 

95.29 

98.00 

90.56 

87.99 

85.25 

33 

98.73 

96.47 

94.05 

91.49 

88.76 

34 

102.60 

100.86 

97.97 

95.42 

92.69 

35 

106.93 

104.73 

102.37 

99.84 

97.11 

36 

111.78 

109.62 

107.28 

104.78 

102.07 

37 

117.20 

115.08 

112.78 

110.80 

107.61 

38 

123.22 

121.16 

118.91 

116.46 

113.80 

39 

129.91 

127.91 

125.71 

123.81 

120.68 

40 

137.83 

185.40 

188.27 

180.92 

128.81 

41 

145.53 

143.68 

141.62 

189.82 

186.75 

42 

154.58 

152.82 

150.84 

148.60 

146.06 

43 

164.53 

162.87 

160.97 

158.79 

156.29 

44 

175.44 

173.89 

172.08 

169.97 

167.50 

45 

187.37 

185.94 

184.22 

182.17 

179.73 

46 

200.39 

199.08 

197.46 

195.48 

193.00 

47 

214.55 

218.88 

211.86 

209.94 

207.54 

48 

229.90 

228.87 

227.46 

225.60 

228.24 

49 

246.50 

245.61 

244.81 

242.54 

240.22 

50 

204.88 

268.65 

262.48 

260.80 

258.58 

51 

288.56 

288.01 

281.98 

280.41 

278.20 

52 

304.05 

808.68 

802.81 

801.85 

299.22 

53 

325.76 

325.60 

824.90 

823.58 

821.53 

54 

348.61 

348.67 

348.16 

346.99 

845.05 

55 

372.49 

372.77 

872.46 

871.46 

369.65 

56 

397.29 

897.82 

897.74 

896.92 

895.25 

57 

422.91 

423.72 

428.87 

428.25 

421.74 

58 

449.31 

450.40 

450.80 

450.41 

449.08 

59 

476.43 

477.82 

478.50 

478.86 

477.25 

60 

504.19 

505.91 

506.90 

507.04 

506.20 

123 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

y/i% 

20  Year  Mortuary  Additions 

Years 

Ai<e 

6 

7 

8 

9 

10 

20 

01.07 

58.16 

55.12 

51.95 

48.62 

21 

62.02 

59.10 

56.04 

52.84 

49.49 

22 

63.05 

60.11 

57.04 

53.81 

50.44 

23 

64.19 

61.23 

58.14 

54.89 

51.49 

24 

65.43 

62.46 

59.35 

56.08 

52.63 

25 

66.82 

63.83 

60.69 

57.39 

53.91 

2G 

68.34 

65.34 

62.18 

58.85 

55.33 

27 

70.05 

67.03 

63.84 

60.48 

56.92 

28 

71.95 

68.91 

65.70 

62.30 

58.71 

29 

74.08 

71.03 

67.79 

64.36 

60.71 

30 

76.51 

73.43 

70.17 

66.70 

62.99 

31 

79.24 

76.15 

72.86 

69.34 

65.58 

32 

82.34 

79.23 

75.91 

72.35 

68.53 

33 

85.84 

82.71 

79.35 

75.75 

71.88 

34 

89.77 

86.62 

83.24 

79.59 

75.66 

35 

94.18 

91.03 

87.62 

83.93 

79.92 

30 

99.14 

95.97 

92.54 

88.80 

84.71 

37 

104.69 

101.52 

98.05 

94.25 

90.08 

38 

110.89 

107.70 

104.20 

100.33 

96.05 

39 

117.78 

114.58 

111.03 

107.08 

102.68 

40 

125.42 

122.20 

118.60 

114.57 

110.01 

41 

133.87 

130.63 

126.97 

122.81 

118.08 

42 

143.18 

139.91 

136.17 

131.87 

126.95 

43 

153.42 

150.09 

146.25 

141.81 

136.67 

44 

164.61 

161.23 

157.28 

152.67 

147.31 

45 

176.82 

173.37 

169.31 

164.53 

158.92 

40 

190.13 

186.62 

182.43 

177.47 

171.61 

47 

204.60 

201.02 

196.71 

191.55 

185.42 

48 

220.28 

216.64 

212.20 

206.85 

200.43 

49 

237.26 

233.55 

228.99 

223.43 

216.73 

50 

255.57 

251.80 

247.12 

241.36 

234.37 

51 

275.25 

271.43 

266.63 

260.68 

253.39 

52 

296.29 

292.45 

287.54 

281.40 

273.81 

53 

318.65 

314.79 

309.78 

303.45 

295.56 

54 

342.23 

338.35 

333.26 

326.75 

318.58 

55 

366.90 

363.03 

357.87 

351.20 

342.76 

50 

392.58 

388.74 

383.53 

376.72 

368.01 

57 

419.18 

'415.38 

410.15 

403.21 

394.25 

58 

446.66 

442.95 

437.72 

430.68 

421.51 

59 

475.01 

471.41 

466.22 

459.13 

449.79 

60 

504.16 

500.73 

495.63 

488.56 

479.13 

124 


AMER. 
EXP. 

MEAN 

RESERVES 

0 

■ 

\Vi% 

20  Year  Mortuary  Additions 

Years 

Atfe 

11 

12 

13 

14 

15 

20 

45.14 

41.50 

37.68 

33.66 

29.44 

21 

45.98 

42.30 

38.43 

34.36 

30.07 

22 

4G.89 

43.17 

39.24 

35.12 

30.76 

23 

47.90 

44.13 

40.15 

35.96 

31.53 

24 

49.00 

45.19 

41.15 

36.89 

32.37 

25 

50.24 

46.37 

42.27 

37.93 

33.31 

26 

51.62 

47.68 

43.51 

39.08 

34.36 

27 

53.15 

49.15 

44.90 

40.37 

35.53 

28 

54.88 

50.81 

46.46 

41.83 

36.87 

29 

56.82 

52.67 

48.23 

43.49 

38.39 

30 

59.04 

54.80 

50.27 

45.40 

40.15 

31 

G1.55 

57.23 

52.59 

47.58 

42.16 

32 

64.43 

60.02 

55.25 

50.09 

44.48 

33 

07.70 

63.18 

58.28 

52.94 

47.11 

34 

71.39 

66.75 

61.70 

56.16 

50.07 

35 

75.56 

70.78 

65.55 

59.78 

53.39 

36 

80.23 

75.31 

69.86 

63.82 

57.08 

37 

85.47 

80.36 

74.68 

68.32 

61.19 

38 

91.29 

85.98 

80.01 

73.30 

65.73 

39 

97.74 

92.18 

85.89 

78.79 

70.75 

40 

104.86 

99.02 

92.38 

84.86 

76.29 

41 

112.69 

106.55 

99.54 

91.54 

82.40 

42 

121.30 

114.83 

107.40 

98.89 

89.12 

43 

130.75 

123.91 

116.04 

106.97 

96.52 

44 

141.08 

133.86 

125.50 

115.82 

104.64 

45 

152.38 

144.74 

135.85 

125.52 

113.54 

46 

164.71 

156.63 

147.19 

136.16 

123.31 

47 

178.16 

169.62 

159.57 

147.80 

134.02 

48 

192.80 

183.76 

173.09 

160.51 

145.73 

49 

208.71 

199.15 

187.80 

174.37 

158.53 

50 

225.94 

215.83 

203.78 

189.46 

172.50 

51 

244.54 

233.87 

221.10 

205.85 

187.69 

52 

264.53 

253.30 

239.78 

223.55 

204.12 

53 

285.87 

274.06 

259.76 

242.50 

221.74 

54 

308.47 

296.07 

280.96 

262.64 

240.49 

55 

332.23 

319.22 

303.29 

283.86 

260.25 

56 

357.06 

343.46 

326.69 

306.13 

281.00 

57 

382.91 

368.71 

351.10 

329-40 

302.74 

58 

409.79 

395.03 

376.61 

353.77 

325.63 

59 

437.76 

422.49 

403.32 

379.46 

349.95 

60 

466,86 

451.17 

431.39 

406.68 

375.99 

125 


AMER. 
EXP. 

MEAN 

RESERVES 

0 

■ 

\Vi% 

20  Year  Mortuary  Additions 

Years 

A^e 

16 

17 

18 

10 

20 

20 

25.00 

20.32 

15.39 

10.17 

4.63 

21 

25.56 

20.79 

15.75 

10.41 

4.73 

22 

26.17 

21.30 

16.14 

10.66 

4.84 

23 

26.84 

21.86 

16.57 

10.05 

4.96 

24 

27.58 

22.48 

17.05 

11.26 

5.08 

25 

28.40 

23.17 

17.59 

11.63 

5.23 

26 

29.32 

23.95 

18.20 

12.03 

5.40 

27 

30.37 

24.84 

18.90 

12.50 

5.59 

28 

31.56 

25.85 

19.69 

13.03 

5.80 

29 

32.91 

27.00 

20.60 

13.64 

6.04 

30 

34.49 

28.34 

21.66 

14.35 

6.34 

31 

36.28 

29.88 

22.87 

15.16 

6.66 

32 

38.35 

31.65 

24.26 

16.09 

7.03 

33 

40.70 

33.64 

25.82 

17.12 

7.44 

34 

43.34 

35.87 

27.55 

18.27 

7.89 

35 

46.28 

38.35 

29.48 

19.55 

8.40 

36 

49.55 

41.11 

31.63 

20.98 

8.97 

37 

53.18 

44.18 

34.02 

22.56 

9.61 

38 

57.21 

47.58 

36.67 

24.32 

10.31 

39 

61.65 

51.32 

39.59 

26.25 

11.08 

40 

66.56 

55.46 

42.82 

28.41 

11.95 

41 

71.96 

60.03 

46.39 

30.79 

12.90 

42 

77.92 

65.08 

50.35 

33.42 

13.95 

43 

84.49 

70.65 

54.71 

36.33 

15.12 

44 

91.71 

76.78 

59.51 

39.53 

16.40 

45 

99.64 

83.50 

64.79 

43.06 

17.82 

46 

108.35 

90.91 

70.62 

46.98 

19.39 

47 

117.90 

99.06 

77.05 

51.30 

21.12 

48 

128.38 

108.03 

84.14 

56.06 

23.02 

49 

139.86 

117.86 

91.92 

61.31 

25.12 

50 

152.41 

128.63 

100.47 

67.08 

27.42 

51 

166.08 

140.39 

109.82 

73.41 

29.95 

52 

180.90 

153.15 

119.99 

80.30 

32.69 

53 

196.81 

166.88 

130.92 

87.68 

35.62 

54 

213.75 

181.48 

142.54 

95.53 

38.73 

55 

231.61 

196.88 

154.81 

103.84 

42.05 

56 

250.38 

213.11 

167.82 

112.74 

45.59 

57 

270.12 

230.30 

181.72 

122.34 

49.43 

58 

291.08 

248.74 

196.82 

132.89 

53.65 

59 

313.59 

268.79 

213.44 

144.66 

58.37 

60 

337.97 

290.78 

231.90 

157.84 

63.64 

126 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

y/:i% 

15  Year  Mortuary  Additions 

Years 

Atfe 

1 

2 

3 

4 

3 

20 

55.59 

52.83 

49.96 

46.97 

43.87 

21 

56.16 

53.39 

50.50 

47.50 

44.38 

22 

56.77 

53.99 

51.10 

48.08 

44.94 

23 

57.45 

54.66 

51.75 

48.72 

45.55 

24 

58.19 

55.39 

52.46 

49.41 

46.23 

25 

58.99 

56.18 

53.24 

50.17 

46.96 

26 

59.88 

57.05 

54.10 

51.01 

47.77 

27 

60.84 

58.00 

55.03 

51.92 

48.66 

28 

61.90 

59.05 

56.06 

52.93 

49.65 

29 

63.06 

60.20 

57.19 

54.04 

50.72 

30 

64.35 

61.47 

58.45 

55.27 

51.91 

31 

65.78 

62.89 

59.84 

56.63 

53.24 

32 

67.36 

64.45 

61.38 

58.15 

54.73 

33 

69.14 

66.21 

63.12 

59.86 

56.41 

34 

71.13 

68.19 

65.08 

61.79 

58.28 

35 

73.39 

70.44 

67.31 

63.98 

60.43 

36 

75.94 

72.98 

69.82 

66.45 

62.86 

37 

78.84 

75.86 

72.68 

69.28 

65.63 

38 

82.10 

79.11 

75.91 

72.47 

68.77 

39 

85.78 

82.78 

79.55 

76.07 

72.32 

40 

89.91 

86.90 

83.65 

80.14 

76.32 

41 

94.54 

91.52 

88.25 

84.70 

80.81 

42 

99.72 

96.70 

93.40 

89.80 

85.83 

43 

105.49 

102.46 

99.14 

95.47 

91.42 

44 

111.89 

108.86 

105.50 

101.77 

97.61 

45 

118.99 

115.95 

112.54 

108.74 

104.45 

46 

126.83 

123.77 

120.32 

116.42 

111.97 

47 

135.47 

132.40 

128.88 

124.86 

120.25 

48 

144.97 

141.87 

138.27 

134.13 

129.33 

49 

155.38 

152.23 

148.56 

144.27 

139.29 

50 

166.75 

163.57 

159.80 

155.38 

150.17 

51 

179.19 

175.96 

172.10 

167.52 

162.09 

52 

192.74 

189.47 

185.51 

180.76 

175.09 

53 

207.48 

204.16 

200.10 

195.17 

189.25 

54 

223.46 

220.11 

215.94 

210.84 

204.66 

55 

240.76 

237.36 

233.08 

227.81 

221.37 

56 

259.39 

255.96 

251.59 

246.15 

239.43 

57 

279.39 

275.94 

271.48 

265.85 

258.86 

58 

300.69 

297.22 

292.68 

286.88 

279.62 

59 

323.20 

319.74 

315.11 

309.15 

301.62 

60 

346.84 

343.38 

338.69 

332.58 

324.78 

127 


AMER. 
EXP. 

MEAN  RESERVES 

15  Year  Mortuary  Additions 

0 

J^% 

Years 

Aie 

6 

7 

8 

9 

10 

20 

40.63 

37.26 

33.75 

30.08 

26.25 

21 

41.12 

37.73 

34.18 

30.48 

26.61 

22 

41.66 

38.24 

34.66 

30.92 

27.01 

23 

42.25 

38.80 

35.19 

31.41 

27.45 

24 

42.90 

39.41 

35.77 

31.95 

27.94 

25 

43.60 

40.09 

36.41 

32.54 

28.48 

26 

44.39 

40.84 

37.11 

33.19 

29.07 

27 

45.25 

41.66 

37.88 

33.91 

29.73 

28 

46.19 

42.56 

38.74 

34.71 

30.45 

29 

47.23 

43.55 

39.68 

35.58 

31.24 

30 

48.39 

44.66 

40.73 

36.56 

32.13 

31 

49.68 

45.90 

41.89 

37.64 

33.12 

32 

51.12 

47.28 

43.20 

38.86 

34.23 

33 

52.74 

48.83 

44.67 

40.23 

35.49 

34 

54.56 

50.58 

46.34 

41.80 

36.93 

35 

56.64 

52.59 

48.26 

43.61 

38.60 

36 

59.01 

54.88 

50.45 

45.67 

40.51 

37 

61.72 

57.51 

52.96 

48.04 

42.70 

38 

64.79 

60.49 

55«82 

50.74 

45.18 

39 

68.26 

63.85 

59.04 

53.77 

47.98 

40 

72.17 

67.64 

62.67 

57.19 

51.12 

41 

76.56 

71.89 

66.73 

61.00 

54.61 

42 

81.47 

76.63 

71.25 

65.23 

58.48 

43 

86.92 

81.89 

76.25 

69.90 

62.76 

44 

92.95 

87.69 

81.76 

75.06 

67.48 

45 

99.59 

94.09 

87.85 

80.76 

72.69 

46 

106.91 

101.14 

94.55 

87.03 

78.44 

47 

114.96 

108.89 

101.93 

93.94 

84.77 

48 

123.80 

117.41 

110.04 

101.54 

91.74 

49 

133.48 

126.75 

118.93 

109.88 

99.40 

50 

144.09 

136.97 

128.68 

119.03 

107.82 

51 

155.70 

148.18 

139.38 

129.08 

117.06 

52 

168.37 

160.43 

151.08 

140.09 

127.20 

53 

182.19 

173.80 

163.86 

152.13 

138.31 

54 

197.24 

188.37 

177.81 

165.28 

150.47 

55 

213.58 

204.20 

192.98 

179.62 

163.76 

56 

231.25 

221.35 

209.45 

195.22 

178.22 

57 

250.28 

239.85 

227.25 

212.09 

193.89 

58 

270.64 

259.67 

246.32 

230.18 

210.73 

59 

292.25 

280.70 

266.59 

249.43 

228.64 

60 

315.01 

302.88 

287.97 

269.75 

247.56 

128 


AMER. 
EXP. 

MEAN  RESERVES 

15  Year  Mortuary  Additions 

■ 

J^% 

Years 

A^e 

11 

12 

13 

14 

15 

20 

22.25 

18.06 

13.68 

9.09 

4.27 

21 

22.56 

18.33 

13.89 

9.22 

4.32 

22 

22.92 

18.62 

14.11 

9.37 

4.39 

23 

23.30 

18.94 

14.36 

9.54 

4.46 

24 

23.73 

19.31 

14.65 

9.74 

4.55 

25 

24.20 

19.71 

14.96 

9.95 

4.63 

26 

24.73 

20.15 

15.31 

10.18 

4.73 

27 

25.31 

20.64 

15.68 

10.43 

4.84 

28 

25.95 

21.17 

16.10 

10.70 

4.96 

29 

26.64 

21.75 

16.55 

11.00 

5.08 

30 

27.42 

22.41 

17.06 

11.35 

5.23 

31 

28.29 

23.15 

17.65 

11.75 

5.40 

32 

29.28 

23.99 

18.31 

12.20 

5.59 

33 

30.41 

24.95 

19.07 

12.71 

5.80 

34 

31.70 

26.05 

19.94 

13.29 

6.04 

35 

33.19 

27.33 

20.95 

13.99 

6.34 

36 

84.90 

28.79 

22.11 

14.77 

6.66 

37 

36.87 

30.48 

23.44 

15.66 

7.03 

38 

39.09 

32.38 

24.93 

16.66 

7.44 

39 

41.59 

34.49 

26.58 

17.76 

7.89 

40 

44.37 

36.84 

28.42 

18.99 

8.40 

41 

47.46 

39.46 

30.47 

20.37 

8.97 

42 

50.90 

42.37 

32.75 

21.89 

9.61 

43 

54.69 

45.58 

35.27 

23.58 

10.31 

44 

58.88 

49.13 

38.04 

25.44 

11.08 

45 

63.51 

53.05 

41.12 

27.50 

11.95 

46 

68.62 

57.38 

44.52 

29.79 

12.90 

47 

74.24 

62.16 

48.28 

32.32 

13.95 

48 

80.45 

67.44 

52.44 

35.12 

15.12 

49 

87.28 

73.25 

57.01 

38.20 

16.40 

50 

94.78 

79.64 

62.04 

41.59 

17.82 

51 

103.04 

86.68 

67.61 

45.37 

19.39 

52 

112.10 

94.43 

73.76 

49.53 

21.12 

53 

122.06 

102.97 

80.52 

54.12 

23.02 

54 

132.98 

112.34 

87.97 

59.19 

25.12 

55 

144.93 

122.61 

96.16 

64.75 

27.42 

56 

157.97 

133.85 

105.11 

70.86 

29.95 

57 

172.11 

146.05 

114.86 

77.51 

32.69 

58 

187.32 

159.18 

125.35 

84.64 

35.62 

59 

203.51 

173.15 

136.48 

92.21 

38.73 

60 

220.61 

187.90 

148.25 

100.24 

42.05 

129 


AMER. 
EXP. 

MEAN 

RESERVES 

4 

y/2% 

10  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

37.38 

34.23 

30.95 

27.55 

24.01 

21 

37.69 

34.53 

31.23 

27.80 

24.24 

22 

38.02 

34.84 

31.52 

28.08 

24.49 

23 

38.38 

35.17 

31.84 

28.37 

24.75 

24 

38.77 

35.55 

32.19 

28.69 

25.04 

25 

39.20 

35.95 

32.57 

29.04 

25.36 

26 

39.64 

36.38 

32.97 

29.41 

25.69 

27 

40.14 

36.85 

33.41 

29.82 

26.07 

28 

40.68 

37.36 

33.89 

30.27 

26.48 

29 

41.27 

37.93 

34.43 

30.77 

26.93 

30 

41.93 

38.56 

35.02 

31.32 

27.42 

31 

42.65 

39.25 

35.67 

31.92 

27.98 

32 

43.43 

39.99 

36.38 

32.58 

28.58 

33 

44.29 

40.82 

37.17 

33.32 

29.25 

34 

45.24 

41.73 

38.03 

34.12 

29.98 

35 

46.31 

42.75 

38.99 

35.02 

30.80 

36 

47.48 

43.88 

40.06 

36.02 

31.71 

37 

48.79 

45.14 

41.26 

37.14 

32.74 

38 

50.27 

46.56 

42.61 

38.40 

33.91 

39 

51.94 

48.17 

44.15 

39.85 

35.24 

40 

53.84 

50.01 

45.91 

41.52 

36.78 

41 

56.02 

52.12 

47.93 

43.43 

38.55 

42 

58.49 

54.53 

50.24 

45.61 

40.58 

43 

61.30 

57.25 

52.86 

48.09 

42.87 

44 

64.46 

60.32 

55.80 

50.87 

45.45 

45 

68.01 

63.77 

59.11 

53.99 

48.32 

46 

71.98 

67.62 

62.81 

57.47 

51.51 

47 

76.42 

71.92 

66.92 

61.33 

55.06 

48 

81.34 

76.68 

71.46 

65.59 

58.98 

49 

86.78 

81.94 

76.48 

70.30 

63.30 

50 

92.80 

87.75 

82.02 

75.51 

68.09 

51 

99.44 

94.17 

88.15 

81.26 

73.38 

52 

106.76 

101.24 

94.90 

87.60 

79.21 

53 

114.82 

109.03 

102.33 

94.59 

85.63 

54 

123.66 

117.58 

110.49 

102.26 

92.70 

55 

133.36 

126.95 

119.45 

110.69 

100.47 

56 

143.99 

137.24 

129.29 

119.96 

109.03 

57 

155.62 

148.50 

140.07 

130.12 

118.41 

58 

168.33 

160.82 

151.87 

141.25 

128.70 

59 

182.19 

174.25 

164.75 

153.43 

139.98 

60 

197.25 

188.87 

178.79 

166.72 

152.32 

130 


AMER. 
EXP. 

MEAN 

RESERVES 

■ 

y/2% 

10  Year  Mortuary  Additions 

Years 

Atfe 

6 

7 

8 

0 

10 

20 

20.34 

16.51 

12.52 

8.36 

4.03 

21 

20.54 

16.67 

12.65 

8.46 

4.07 

22 

20.75 

16.85 

12.79 

8.55 

4.11 

23 

20.98 

17.04 

12.94 

8.65 

4.16 

24 

21.24 

17.26 

13.11 

8.77 

4.22 

25 

21.51 

17.50 

13.29 

8.89 

4.27 

26 

21.81 

17.75 

13.48 

9.01 

4.33 

27 

22.14 

18.02 

13.70 

9.16 

4.39 

28 

22.50 

18.32 

13.93 

9.32 

4.46 

29 

22.89 

18.66 

14.20 

9.51 

4.55 

30 

23.34 

19.03 

14.50 

9.71 

4.63 

31 

23.83 

19.45 

14.83 

9.93 

4.73 

32 

24.37 

19.90 

15.18 

10.16 

4.84 

33 

24.95 

20.40 

15.56 

10.42 

4.96 

34 

25.60 

20.94 

15.99 

10.71 

5.08 

35 

26.32 

21.55 

16.47 

11.05 

5.23 

36 

27.13 

22.24 

17.02 

11.42 

5.40 

37 

28.05 

23.03 

17.64 

11.85 

5.59 

38 

29.10 

23.93 

18.36 

12.34 

5.80 

39 

30.29 

24.95 

19.17 

12.89 

6.04 

40 

31.68 

26.14 

20.12 

13.55 

6.34 

41 

33.27 

27.51 

21.22 

14.30 

6.66 

42 

35.09 

29.08 

22.47 

15.15 

7.03 

43 

37.15 

30.85 

23.86 

16.09 

7.44 

44 

39.46 

32.80 

25.40 

17.14 

7.89 

45 

42.02 

34.98 

27.12 

18.30 

8.40 

46 

44.86 

37.40 

29.03 

19.60 

8.97 

47 

48.02 

40.09 

31.15 

21.05 

9.61 

48 

51.51 

43.07 

33.50 

22.64 

10.31 

49 

55.37 

46.35 

36.09 

24.40 

11.08 

50 

59.64 

49.98 

38.96 

26.36 

11.95 

51 

64.35 

54.00 

42.14 

28.53 

12.90 

52 

69.55 

58.44 

45.66 

30.93 

13.95 

53 

75.30 

63.35 

49.55 

33.59 

15.12 

54 

81.62 

68.75 

53.83 

36.51 

16.40 

55 

88.57 

74.70 

58.55 

39.73 

17.82 

56 

96.23 

•       81.26 

63.77 

43.32 

19.39 

57 

104.64 

88.49 

69.53 

47.27 

21.12 

58 

113.90 

96.45 

75.88 

51.63 

23.02 

59 

124.06 

105.20 

82.87 

56.45 

25.12 

60 

]35.]8 

114.79 

90.56 

61.73 

27.42 

American  E^xperience  3% 


133 


AMER. 
EXP. 

NET    PREMIUMS 

3% 

Ordinary 

19  Payment 

14  Payment 

9  Payment 

A^e 

Life 

Life 

Life 

Life 

21 

14.72 

24.30 

30.28 

43.14 

22 

15.04 

24.67 

30.73 

43.78 

23 

15.38 

25.05 

31.20 

44.44 

24 

15.74 

25.44 

31.68 

45.12 

25 

16.11 

25.85 

32.18 

45.82 

26 

16.51 

26.27 

32.70 

46.55 

27 

16.92 

26.71 

33.23 

47.29 

28 

17.35 

27.17 

33.79 

48.07 

29 

17.81 

27.64 

34.36 

48.87 

30 

18.28 

28.12 

34.95 

49.69 

31 

18.79 

28.63 

35.56 

50.54 

32 

19.32 

29.15 

36.19 

51.42 

33 

19.87 

29.70 

36.85 

52.33 

34 

20.46 

30.27 

37.53 

53.27 

35 

21.08 

30.86 

38.23 

54.24 

36 

21.74 

31.47 

38.96 

55.24 

37 

22.43 

32.11 

39.71 

56.27 

38 

23.16 

32.78 

40.50 

57.34 

39 

23.93 

33.48 

41.31 

58.44 

40 

24.75 

34.21 

42.16 

59.58 

41 

25.62 

34.98 

43.04 

60.76 

42 

26.54 

35.79 

43.96 

61.98 

43 

27.52 

36.64 

44.91 

63.24 

44 

28,56 

37.53 

45.91 

64.55 

45 

29.67 

38.47 

46.96 

65.91 

46 

30.84 

39.47 

48.06 

67.31 

47 

32.09 

40.53 

49.21 

68.77 

48 

33.43 

41.65 

50.41 

70.29 

49 

34.85 

42.83 

51.68 

71.86 

50 

36.36 

44.09 

53.01 

73.50 

51 

37.97 

45.43 

54.40 

75.19 

52 

39.68 

46.86 

55.87 

76.94 

53 

41.51 

48.38 

57.42 

78.77 

54 

43.46 

50.01 

59.05 

80  66 

55 

45.54 

51.75 

60.78 

82.63 

56 

47.76 

53.61 

62.61 

84.69 

57 

50.13 

55.61 

64.55 

86.83 

58 

52.66 

57.76 

66.62 

89.06 

59 

55.37 

60.07 

68.82 

91.41 

60 

58.27 

62.57 

71.18 

93.86 

61 

61.36 

65.25 

73.70 

96.44 

62 

64.68 

63 

68.23 

64 

72.04 

65 

76.11 

66 


80.48 


134 


AMER. 
EXP. 

NET 

PREMIUMS 

4 

3% 

Endowments. 

Mortuary  Additions. 

Atfe 

19  Yrs. 

14  Yrs. 

9  Yrs. 

20  Yrs. 

15  Yrs. 

10  Yrs. 

20 

78.00 

59.30 

40.96 

21 

43.26 

61.08 

99.40 

79.01 

59.89 

41.29 

22 

43.31 

61.11 

99.42 

80.10 

60.54 

41.64 

23 

43.35 

61.15 

99.45 

81.30 

61.24 

42.02 

24 

43.40 

61.18 

99.48 

82.61 

62.00 

42.44 

25 

43.45 

61.23 

99.52 

84.06 

62.84 

42.89 

26 

43.51 

61.27 

99.55 

85.65 

63.75 

43.36 

27 

43.57 

61.32 

99.59 

87.42 

64.75 

43.89 

28 

43.64 

61.37 

99.63 

89.39 

65.85 

44.46 

29 

43.72 

61.43 

99.68 

91.59 

67.05 

45.09 

30 

43.80 

61.50 

99.73 

94.06 

68.37 

45.77 

31 

43.89 

61.56 

99.78 

96.86 

69.84 

46.53 

32 

43.99 

61.64 

99.84 

100.00 

71.48 

47.36 

33 

44.10 

61.72 

99.90 

103.54 

73.31 

48.27 

34 

44.22 

61.82 

99.97 

107.50 

75.36 

49.27 

35 

44.36 

61.92 

100.05 

111.95 

77.68 

50.38 

36 

44.51 

62.03 

100.13 

116.93 

80.31 

51.61 

37 

44.69 

62.16 

100.22 

122.48 

83.28 

52.99 

38 

44.88 

62.30 

100.33 

128.66 

86.63 

54.53 

39 

45.10 

62.46 

100.44 

135.52 

90.40 

56.28 

40 

45.34 

62.64 

100.57 

143.11 

94.64 

58.27 

41 

45.62 

62.84 

100.71 

151.51 

99.38 

60.54 

42 

45.93 

63.06 

100.87 

160.77 

104.68 

63.11 

43 

46.28 

63.32 

101.05 

170.96 

110.59 

66.03 

44 

46.68 

63.61 

101.26 

182.12 

117.14 

69.31 

45 

47.12 

63.94 

101.49 

194.32 

124.40 

73.00 

46 

47.62 

64.31 

101.76 

207.64 

132.42 

77.12 

47 

48.18 

64.74 

102.07 

222.13 

141.27 

81.73 

48 

48.81 

65.21 

102.41 

237.85 

150.99 

86.85 

49 

49.51 

65.75 

102.81 

254.84 

161.66 

92.53 

50 

50.29 

66.34 

103.25 

273.14 

173.32 

98.80 

51 

51.16 

67.01 

103.74 

292.78 

186.07 

105.73 

52 

52.13 

67.75 

104.29 

313.75 

199.96 

113.37 

53 

53.20 

68.58 

104.91 

335.97 

215.06 

121.78 

54 

54.40 

69.50 

105.59 

359.34 

231.44 

131.00 

55 

55.72 

70.53 

106.35 

383.74 

249.15 

141.11, 

56 

57.18 

71.67 

107.20 

409.08 

268.23 

152.20 

57 

58.80 

72.93 

108.15 

435.24 

288.69 

164.32 

58 

60.58 

74.34 

109.19 

462.17 

310.47 

177.54 

59 

62.55 

75.90 

110.36 

489.81 

333.48 

191.96 

60 

64.71 

77.63 

111.66 

518.09 

357.62 

207.62 

61  67.10  79.55  113.10 


135 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

19  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

17.31 

35.23 

53.79 

73.00 

92.91 

22 

17.66 

35.93 

54.84 

74.43 

94.71 

23 

17.99 

36.61 

55.89 

75.86 

96.53 

24 

18.34 

37.34 

56.99 

77.35 

98.42 

25 

18.71 

38.08 

58.13 

78.89 

100.37 

26 

19.09 

38.84 

59.30 

80.47 

102.38 

27 

19.48 

39.64 

60.50 

82.10 

104.45 

28 

19.88 

40.45 

61.74 

83.77 

106.57 

29 

20.29 

41.28 

63.01 

85.50 

108.75 

30 

20.71 

42.15 

64.33 

87.26 

111.00 

31 

21.16 

43.04 

65.67 

89.09 

113.31 

32 

21.61 

43.95 

67.05 

90.96 

115.68 

33 

22.06 

44.88 

68.48 

92.88 

118.11 

34 

22.54 

45.85 

69.95 

94.86 

120.61 

35 

23.04 

46.85 

71.46 

96.89 

123.17 

36 

23.54 

47.87 

73.00 

98.96 

125.78 

37 

24.06 

48.91 

74.58 

101.09 

128.47 

38 

24.59 

49.98 

76.20 

103.27 

131.23 

39 

25.14 

51.09 

77.88 

105.53 

134.07 

40 

25.70 

52.22 

79.59 

107.84 

136.97 

41 

26.29 

53.40 

81.37 

110.20 

139.94 

42 

26.88 

54.61 

83.18 

112.63 

142.96 

43 

27.51 

55.84 

85.04 

115.09 

146.03 

44 

28.13 

57.10 

86.92 

117.59 

149.13 

45 

28.79 

58.39 

88.83 

120.12 

152.24 

46 

29.43 

59.69 

90.76 

122.64 

155.33 

47 

30.10 

61.00 

92.68 

125.14 

158.40 

48 

.    30.77 

62.30 

94.58 

127.63 

161.45 

49 

31.42 

63.58 

96.46 

130.09 

164.46 

50 

32.08 

64.86 

98.34 

132.54 

167.45 

51 

32.73 

66.14 

100.23 

134.98 

170.42 

52 

33.39 

67.43 

102.10 

137.41 

173.36 

53 

34.06 

68.71 

103.97 

139.82 

176.27 

54 

34.72 

70.00 

105.82 

142.20 

179.15 

55 

35.39 

71.28 

107.68 

144.59 

182.01 

56 

36.05 

72.57 

109.54 

146.96 

184.83 

57 

36.73 

73.87 

111.40 

149.32 

187.61 

58 

37.42 

75.17 

113.25 

151.64 

190.35 

59 

38.10 

76.47 

115.08 

153.93 

193.04 

60 

38.78 

77.76 

116.90 

156.20 

195.67 

61         39.47         79.04        118.71       158.45       198.23 


136 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3^ 

19  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

113.52 

134.86 

156.97 

179.86 

203.57 

22 

115.71 

137.46 

159.99 

183.31 

207.47 

23 

117.93 

140.10 

163.05 

186.82 

211.43 

24 

120.24 

142.83 

■     166.23 

190.45 

215.53 

25 

122.62 

145.65 

169.50 

194.18 

219.75 

26 

125.07 

148.55 

172.86 

198.02 

224.09 

27 

.127.59 

151.53 

176.32 

201.98 

228.54 

28 

130.17 

154.59 

179.87 

206.03 

233.11 

29 

132.82 

157.74 

183.51 

210.19 

237.79 

30 

135.56 

160.97 

187.26 

214.45 

242.59 

31 

138.37 

164.29 

191.10 

218.83 

247.51 

32 

141.25 

167.68 

195.02 

223.30 

252.54 

33 

144.19 

171.16 

199.04 

227.87 

257.69 

34 

147.23 

174.73 

203.17 

232.57 

262.97 

35 

150.33 

178.39 

207.40 

237.38 

268.36 

36 

153.50 

182.13 

211.72 

242.28 

273.86 

37 

156.76 

185.97 

216.14 

247.30 

279.46 

38 

160.10 

189.89 

220.66 

252.40 

285.15 

39 

163.52 

193.91 

225.26 

257.59 

290.94 

40 

167.02 

197.99 

229.93 

262.85 

296.76 

41 

170.58 

202.15 

234.67 

268.15 

302.61 

42 

174.20 

206.36 

239.44 

273.47 

308.48 

43 

177.86 

210.59 

244.22 

278.80 

314.34 

44 

181.53 

214.81 

248.99 

284.10 

320.17 

45 

185.20 

219.03 

253.74 

289.37 

325.95 

46 

188.85 

223.21 

258.45 

294.59 

331.67 

47 

192.47 

227.36 

263.11 

299.74 

337.29 

48 

196.06 

231.47 

267.71 

304.81 

342.82 

49 

199.59 

235.50 

272.21 

309.76 

348.23 

50 

203.09 

239.48 

276.64 

314.64 

353.52 

51 

206.56 

243.41 

281.02 

319.42 

358.68 

52 

209.97 

247.27 

285.28 

324.07 

363.68 

53 

213.35 

251.07 

289.47 

328.60 

368.53 

54 

216.67 

254.79 

293.54 

332.98 

373.20 

55 

219.94 

258.43 

297.50 

337.22 

377.69 

56 

223.16 

261.98 

301.35 

341.32 

381.98 

57 

226.31 

265.45 

305.07 

345.22 

386.03 

58 

229.39 

268.81 

308.62 

348.92 

389.81 

59 

232.40 

272.03 

312.00 

352.38 

393.28 

60 

235.30 

275.12 

315.18 

355.57 

396.42 

61        238.09        278.04        318.13       358.47       399.19 


137 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3^ 

19  Payment  Life 

Years 

A^e 

11 

12 

13 

14 

15 

21 

228.14 

253.59 

279.94 

307.25 

335.56 

22 

232.50 

258.42 

285.27 

313.09 

341.91 

23 

236.93 

263.33 

290.68 

319.02 

348.37 

24 

241.51 

268.41 

296.28 

325.14 

355.03 

25 

246.22 

273.63 

302.03 

331.42 

361.87 

26 

251.05 

278.98 

307.90 

337.85 

368.87 

27 

256.04 

284.51 

313.98 

344.49 

376.09 

28 

261.13 

290.14 

320.16 

351.26 

383.45 

29 

266.35 

295.91 

326.51 

358.19 

391.00 

30 

271.70 

301.83 

333.01 

365.29 

398.71 

31 

277.19 

307.89 

339.67 

372.56 

406.60 

32 

282.79 

314.09 

346.46 

379.96 

414.62 

33 

288.52 

320.41 

353.40 

387.51 

422.79 

34 

294.39 

326.89 

360.47 

395.20 

431.11 

35 

300.38 

333.47 

367.67 

403.01 

439.54 

30 

306.47 

340.16 

374.96 

410.91 

448.04 

37 

312.67 

346.96 

382.35 

418.88 

456.62 

38 

318.95 

353.82 

389.79 

426.91 

465.26 

39 

325.31 

360.74 

397.29 

435.00 

473.94 

40 

331.69 

367.68 

404.80 

443.08 

482.62 

41 

338.09 

374.64 

412.31 

451.17 

491.28 

42 

344.51 

381.61 

419.83 

459.24 

499.93 

43 

350.91 

388.53 

427.29 

467.25 

508.51 

44 

357.25 

395.40 

434.67 

475.17 

517.00 

45 

363.54 

402.18 

441.97 

483.00 

525.38 

46 

369.74 

408.88 

449.16 

490.70 

533.63 

47 

375.83 

415.44 

456.20 

498.24 

541.69 

48 

381.82 

421.88 

463.10 

505.61 

549.58 

49 

387.65 

428.14 

469.78 

512.75 

557.22 

50 

393.35 

434.22 

476.28 

519.68 

564.63 

51 

398.88 

440.12 

482.56 

526.37 

571.77 

52 

404.21 

445.79 

488.57 

532.74 

578.57 

53 

409.37 

451.25 

494.33 

538.84 

585.06 

54 

414.31 

456.43 

499.77 

544.57 

591.16 

55 

419.01 

461.33 

504.88 

549.92 

596.83 

56 

423.46 

465.94 

509.64 

554.88 

602.08 

57 

427.62 

470.17 

513.97 

559.35 

606.80 

58 

431.43 

474.00 

517.83 

563.30 

611.02 

59 

434.87 

477.40 

521.19 

566.76 

614.75 

60 

437.90 

480.32 

524.08 

569.74 

618.03 

61        440.51        482.80        526.53       572.31       620.91 


138 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

19  Payment  Life 

Years 

A^e 

16 

17 

18 

19 

21 

364.88 

395.27 

426.77 

459.42 

22 

371.77 

402.71 

434.78 

468.00 

23 

378.78 

410.29 

442.94 

476.80 

24 

386.00 

418.09 

451.35 

485.83 

25 

393.42 

426.10 

459.97 

495.10 

26 

401.00 

434.29 

468.80 

504.59 

27 

408.83 

442.75 

477.89 

514.30 

28 

416.80 

451.35 

487.14 

524.23 

.29 

424.97 

460.15 

496.60 

534.37 

30 

433.31 

469.14 

506.25 

544.70 

31 

441.83 

478.31 

516.09 

555.22 

32 

450.50 

487.63 

526.08 

565.89 

33 

459.30 

497.08 

536.19 

576.71 

34 

468.25 

506.67 

546.45 

587.67 

35 

477.30 

516.37 

556.82 

598.74 

36 

486.43 

526.14 

567.27 

609.92 

37 

495.63 

536.00 

577.81 

621.18 

38 

504.89 

545.91 

588.40 

632.51 

39 

514.20 

555.86 

599.05 

643.89 

40 

523.48 

565.80 

609.68 

655.30 

41 

532.76 

575.72 

620.31 

666.72 

42 

542.02 

585.64 

630.95 

678.13 

43 

551.21 

595.48 

641.51 

689.51 

44 

560.30 

605.22 

651.98 

700.83 

45 

569.27 

614.85 

662.36 

712.08 

46 

578.11 

624.35 

672.62 

723.24 

47 

586.75 

633.66 

682.70 

734.27 

48 

595.22 

642.80 

■    692.65 

745.16 

49 

603.42 

651.66 

702.32 

755.89 

50 

611.38 

660.30 

711.79 

766.42 

51 

619.08 

668.66 

721.00 

776.73 

52 

626.39 

676.63 

729.86 

786.82 

53 

633.38 

684.30 

738.44 

796.67 

54 

639.96 

691.54 

746.65 

806.28 

55 

646.10 

698.37 

754.52 

815.70 

56 

651.80 

704.80 

762.09 

824.93 

57 

657.00 

710.80 

769.32 

834.01 

58 

661.72 

716.38 

776.24 

842.97 

59 

606.00 

721.58 

782.89 

851.80 

60 

669.86 

726.41 

789.23 

860.49 

61  673.33  730.84  795.24  869.06 


139 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

14  Payment  Life 

Years 

A^e 

1 

2 

3 

4           * 

5 

21 

23.52 

47.88 

73.13 

99.30 

126.42 

22 

23.94 

48.74 

74.44 

101.07 

128.67 

23 

24.37 

49.62 

75.79 

102.91 

131.01 

24 

24.82 

50.54 

77.19 

104.80 

133.41 

25 

25.29 

51.48 

78.63 

106.75 

135.88 

26 

25.76 

52.45 

80.10 

108.75 

138.42 

27 

26.25 

53.44 

81.61 

110.81 

141.04 

28 

26.76 

54.47 

83.17 

112.92 

143.73 

29 

27.27 

55.52 

84.78 

115.09 

146.49 

30 

27.80 

56.60 

86.43 

117.33 

149.33 

31 

28.36 

57.72 

88.13 

119.63 

152.26 

32 

28.92 

58.86 

89.87 

121.98 

155.24 

33 

29.49 

60.03 

91.65 

124.40 

158.31 

34 

30.09 

61.24 

93.49 

126.88 

161.45 

35 

30.70 

62.48 

95.37 

129.42 

164.67 

36 

31.32 

63.74 

97.29 

132.01 

167.95 

37 

31.96 

65.03 

99.25 

134.66 

171.30 

38 

32.61 

66.35 

101.25 

137.37 

174.74 

39 

33.28 

67.70 

103.31 

140.14 

178.26 

40 

33.96 

69.08 

105.41 

142.98 

181.83 

41 

34.66 

70.51 

107.56 

145.88 

185.48 

42 

35.38 

71.96 

109.75 

148.82 

189.18 

43 

36.11 

73.43 

111.98 

151.80 

192.93 

44 

36.86 

74.93 

114.23 

154.81 

196.70 

45 

37.62 

76.44 

116.51 

157.84 

200.46 

46 

38.38 

77.96 

118.78 

160.84 

204.20 

47 

39.15 

79.48 

121.04 

163.83 

207.91 

48 

39.91 

80.99 

123.26 

166.77 

211.56 

49 

40.65 

82.46 

125.44 

169.65 

215.15 

50 

41.39 

83.90 

127.59 

172.50 

218.68 

51 

42.11 

85.33 

129.71 

175.29 

222.13 

52 

42.82 

86.73 

131.78 

178.02 

225.50 

53 

43.52 

88.10 

133.80 

180.67 

228.77 

54 

44.20 

89.44 

135.76 

183.23 

231.94 

55 

44.87 

90.73 

137.66 

185.72 

234.98 

56 

45.51 

91.99 

139.50 

188.11 

237.89 

57 

46.14 

93.22 

141.27 

190.39 

240.66 

58 

46.75 

94.39 

142.96 

192.55 

243.26 

59 

47.34 

95.50 

144.55 

194.57 

245.70 

60 

47.90 

96.56 

146.05 

196.47 

247.94 

61  48.43  97.55  147.45  198.22  249.98 


140 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3"^ 

14  Payment  Life 

Years 

Atfe 

6 

7 

8 

9 

10 

21 

154.52 

183.65 

213.84 

245.14 

277.59 

22 

157.28 

186.93 

217.66 

249.52 

282.56 

23 

160.13 

190.31 

221.60 

254.03 

287.66 

24 

163.06 

193.79 

225.65 

258.67 

292.90 

25 

166.08 

197.38 

229.82 

263.44 

298.30 

26 

169.19 

201.06 

234.10 

268.34 

303.84 

27 

■  172.38 

204.85 

238.50 

273.39 

309.54 

28 

175.66 

208.74 

243.02 

278.56 

315.40 

29 

179.02 

212.74 

247.67 

283.88 

321.39 

30 

182.48 

216.85 

252.44 

289.33 

327.55 

31 

186.05 

221.07 

257.34 

294.91 

333.88 

32 

189.70 

225.38 

262.35 

300.64 

340.34 

33 

193.43 

229.79 

267.47 

306.50 

346.95 

34 

197.25 

234.32 

272.72 

312.50 

353.73 

35 

201.16 

238.95 

278.10 

318.65 

360.66 

36 

205.16 

243.68 

283.59 

324.92 

367.72 

37 

209.24 

248.52 

289.19 

331.30 

374.91 

38 

213.42 

253.45 

294.90 

337.80 

382.23 

39 

217.68 

258.49 

300.71 

344.41 

389.66 

40 

222.02 

263.59 

306.60 

351.10 

397.16 

41 

226.44 

268.79 

312.58 

357.87 

404.73 

42 

230.90 

274.02 

318.59 

364.66 

412.33 

43 

235.41 

279.29 

324.62 

371.48 

419.96 

44 

239.93 

284.55 

330.65 

378.30 

427.59 

45 

244.43 

289.81 

336.66 

385.09 

435.18 

46 

248.90 

295.02 

342.63 

391.82 

442.73 

47 

253.33 

300.19 

348.54 

398.51 

450.21 

48 

257.71 

305.28 

354.37 

405.09 

457.60 

49 

262.00 

310.28 

360.09 

411.56 

464.86 

50 

266.21 

315.17 

365.69 

417.91 

471.99 

51 

270.32 

319.96 

371.17 

424.10 

478.95 

52 

274.33 

324.62 

376.49 

430.12 

485.72 

53 

278.22 

329.13 

381.64 

435.94 

492.27 

54 

281.97 

333.47 

386.58 

441.52 

498.57 

55 

285.57 

337.61 

391.29 

446.86 

504.60 

56 

288.98 

341.54 

395.76 

451.91 

510.30 

57 

292.22 

345.26 

399.98 

456.66 

515.68 

58 

295.26 

348.71 

403.87 

461.05 

520.66 

59 

298.07 

351.89 

407.44 

465.07 

525.22 

60 

300.63 

354.76 

410.64 

468.64 

529.29 

61        302.92        357.29        413.42       471.75       532.85 


141 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

14  Payment  Life 

Years 

A^e 

11 

12 

13 

14 

21 

311.25 

346.14 

382.33 

419.88 

22 

316.80 

352.30 

389.13 

427.36 

23 

322.52 

358.67 

396.16 

435.04 

24 

328.39 

365.19 

403.30 

442.95 

25 

334.44 

371.91 

410.78 

451.08 

26 

340.65 

378.81 

418.38 

459.42 

27 

347.03 

385.89 

426.20 

468.00 

28 

353.57 

393.16 

434.21 

476.80 

29 

360.28 

400.60 

442.43 

485.83 

30 

367.18 

408.27 

450.88 

495.10 

31 

374.25 

416.12 

459.55 

504.59 

32 

381.49 

424.15 

468.40 

514.30 

33 

388.89 

432.36 

477.45 

524.23 

34 

396.46 

440.77 

486.71 

534.37 

35 

404.21 

449.34 

496.15 

544.70 

36 

412.09 

458.07 

505.76 

555.22 

37 

420.10 

466.94 

515.51 

565.89 

38 

428.26 

475.95 

525.40 

576.71 

39 

436.52 

485.06 

535.41 

587.67 

40 

444.84 

494.26 

545.51 

598.74 

41 

453.25 

503.54 

555.72 

609.92 

42 

461.69 

512.86 

565.97 

621.18 

43 

470.17 

522.22 

576.28 

632.51 

44 

478.64 

531.59 

586.61 

643.89 

45 

487.08 

540.94 

596.93 

655.30 

46 

495.48 

550.24 

607.24 

666.72 

47 

503.81 

559.51 

637.52 

678.13 

48 

512.06 

568.68 

627.73 

689.51 

49 

520.18 

577.74 

637.84 

700.83 

50 

528.15 

586.65 

647.83 

712.08 

51 

535.95 

595.40 

657.68 

723.24 

52 

543.56 

603.97 

667.36 

734.27 

53 

550.94 

612.31 

676.85 

745.16 

54 

558.06 

620.39 

686.11 

755.89 

55 

564.88 

628.18 

695.10 

766.42 

56 

571.39 

635.66 

703.82 

776.73 

57 

577.51 

642.75 

712.18 

786.82 

58 

583.22 

649.44 

720.19 

796.67 

59 

588.50 

655.70 

727.84 

806.28 

60 

593.27 

661.47 

735.09 

815.70 

61  597.51  666.77  742.00  824.93 


142 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

9  Payment  Life 

Years 

Atfe 

1 

2 

3 

4 

5 

21 

36.87 

75.10 

114.75 

155.87 

198.52 

22 

37.48 

76.35 

116.66 

158.46 

201.82 

23 

38.11 

77.64 

118.63 

161.14 

205.23 

24 

38.77 

78.97 

120.67 

163.91 

208.75 

25 

39.45 

80.34 

122.77 

166.76 

212.38 

26 

40.14 

81.76 

124.93 

169.68 

210.11 

27 

40.85 

83.21 

127.14 

172.69 

219.95 

28 

41.58 

84.70 

129.42 

175.80 

223.90 

29 

42.34 

86.24 

131.77 

178.99 

227.96 

30 

43.12 

87.83 

134.19 

182.27 

232.14 

31 

43.92 

89.46 

136.68 

185.64 

236.44 

32 

44.74 

91.13 

139.22 

189.10 

240.85 

33 

45.58 

92.84 

141.84 

192.66 

245.37 

34 

46.45 

94.61 

144.54 

196.31 

250.01 

35 

47.34 

96.41 

147.30 

200.05 

254.78 

36 

48.25 

98.26 

150.11 

203.87 

259.65 

37 

49.18 

100.15 

152.99 

207.79 

264.63 

38 

50.13 

102.08 

155.94 

211.79 

269.72 

39 

51.10 

104.06 

158.96 

215.89 

274.93 

40 

52.09 

106.07 

162.04 

220.06 

280.25 

41 

53.11 

108.14 

165.19 

224.33 

285.67 

42 

54.14 

110.25 

168.39 

228.68 

291.18 

43 

55.20 

112.39 

171.65 

233.08 

296.77 

44 

56.27 

114.56 

174.95 

237.54 

302.43 

45 

57.36 

116.76 

178.28 

242.03 

308.11 

46 

58.45 

118.96 

181.63 

246.54 

313.81 

47 

59.55 

121.18 

184.97 

251.04 

319.51 

48 

60.65 

123.38 

188.29 

255.51 

325.19 

49 

61.72 

125.55 

191.57 

259.95 

330.84 

50 

62.78 

127.68 

194.82 

264.35 

336.44 

51 

63.83 

129.80 

198.04 

268.70 

341.98 

52 

64.86 

131.88 

201.19 

272.98 

347.44 

53 

65.87 

133.91 

204.28 

277.16 

352.80 

54 

66.85 

135.89 

207.28 

281.25 

358.04 

55 

67.80 

137.80 

210.19 

285.22 

363.14 

56 

68.71 

139.64 

213.00 

289.04 

368.07 

57 

69.58 

141.41 

215.09 

292.71 

372.81 

58 

70.41 

143.08 

218.24 

296.19 

377.33 

59 

71.19 

144.64 

220.62 

299.46 

381.60 

60 

71.90 

146.08 

222.82 

302.51 

385.60 

61  72.55  147.39  224.83  305.30  389.29 


143 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

9  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

21 

242.75 

288.64 

336.26 

385.64 

22 

246.80 

293.45 

341.86 

392.09 

23 

250.97 

298.42 

347.65 

398.73 

24 

255.27 

303.54 

353.61 

405.58 

25 

259.71 

308.81 

359.76 

412.63 

26 

264.28 

314.24 

366.08 

419.88 

27 

268.97 

319.82 

372.59 

427.36 

28 

273.80 

325.56 

379.29 

435.04 

29 

278.77 

331.47 

386.18 

442.95 

30 

283.88 

337.56 

393.26 

451.07 

31 

289.13 

343.80 

400.53 

459.42 

32 

294.52 

350.21 

408.01 

468.00 

33 

300.05 

356.79 

415.67 

476.80 

34 

305.73 

363.53 

423.54 

485.83 

35 

311.54 

370.45 

431.60 

495.10 

36 

317.49 

377.53 

439.86 

504.59 

37 

323.58 

384.78 

448.31 

514.30 

38 

329.82 

392.20 

456.96 

524.23 

39 

336.19 

399.78 

465.79 

534.37 

40 

342.69 

407.50 

474.79 

544.70 

41 

349.31 

415.35 

483.94 

555.22 

42 

356.03 

423.34 

493.24 

565.89 

43 

362.85 

431.42 

502.65 

576.71 

44 

369.73 

439.58 

512.17 

587.67 

45 

376.65 

447.80 

521.76 

598.74 

46 

383.59 

456.07 

531.43 

609.92 

47 

390.56 

464.36 

541.15 

621.18 

48 

397.51 

472.66 

550.91 

632.51 

49 

404.42 

480.94 

560.65 

643.89 

50 

411.30 

489.18 

570.39 

655.30 

51 

418.11 

497.38 

580.11 

666.72 

52 

424.85 

505.50 

589.78 

678.13 

53 

431.47 

513.52 

599.36 

689.51 

54 

437.97 

521.42 

608.84 

700.83 

55 

444.31 

529.15 

618.19 

712.08 

56 

450.47 

536.71 

627.39 

723.24 

57 

456.42 

544.07 

636.41 

734.27 

58 

462.13 

551.18 

645.21 

745.16 

59 

467.56 

558.00 

653.75 

755.89 

60 

472.69 

564.53 

662.02 

766.42 

61  477.47  570.67  669.97  776.73 


144 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

19  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

5 

21 

37.00 

75.36 

115.14 

156.40 

199.20 

22 

36.99 

75.35 

115.13 

156.38 

199.17 

28 

36.99 

75.34 

115.12 

156.36 

199.14 

24 

36.99 

75.33 

115.11 

156.34 

199.12 

25 

36.99 

75.33 

115.10 

156.33 

199.10 

26 

36.99 

75.33 

115.09 

156.32 

199.08 

27 

36.99 

75.33 

115.09 

156.31 

199.06 

28 

.  36.99 

75.33 

115.09 

156.31 

199.05 

29 

36.99 

75.33 

115.09 

156.31 

199.04 

30 

37.00 

75.34 

115.10 

156.31 

199.04 

31 

37.01 

75.35 

115.11 

156.32 

199.05 

32 

37.02 

75.37 

115.13 

156.34 

199.06 

33 

37.03 

75.40 

115.16 

156.37 

199.08 

34 

37.05 

75.43 

115.20 

156.41 

199.11 

35 

37.07 

75.47 

115.25 

156.46 

199.16 

36 

37.10 

75.52 

115.31 

156.53 

199.23 

37 

37.14 

75.58 

115.39 

156.62 

199.33 

38 

37.18 

75.65 

115.49 

156.73 

199.46 

39 

37.23 

75.74 

115.61 

156.88 

199.62 

40 

37.29 

75.85 

115.76 

157.07 

199.82 

41 

37.36 

75.98 

115.94 

157.30 

200.08 

42 

37.45 

76.14 

116.16 

157.57 

200.36 

43 

.      37.55 

76.33 

116.42 

157.87 

200.67 

44 

37.66 

76.54 

116.69 

158.19 

201.01 

45 

37.78 

76.77 

116.98 

158.53 

201.36 

46 

37.92 

77.02 

117.29 

158.88 

201.71 

47 

38.07 

77.29 

117.62 

159.24 

202.06 

48 

38.23 

77.56 

117.96 

159.60 

202.40 

49 

38.39 

77.83 

118.30 

159.96 

202.73 

50 

38.55 

78.11 

118.66 

160.34 

203.07 

51 

38.72 

78.41 

119.03 

160.74 

203.44 

52 

38.90 

78.73 

119.44 

161.17 

203.85 

53 

39.10 

79.08 

119.87 

161.63 

204.28 

54 

39.31 

79.45 

120.34 

162.12 

204.76 

55 

39.54 

79.85 

120.86 

162.66 

205.29 

56 

39.80 

80.29 

121.43 

163.26 

205.87 

57 

40.08 

80.77 

122.05 

163.92 

206.50 

58 

40.38 

81.29 

122.71 

164.64 

207.18 

59 

40.71 

81.85 

123.42 

165.41 

207.92 

60 

41.06 

82.45 

124.18 

166.24 

208.71 

61  41.43  83.09  124.99  167.13  209.54 


145 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

19  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

10 

21 

243.59 

289.64 

337.40 

386.97 

438.41 

22 

243.55 

289.59 

337.35 

386.90 

438.34 

23 

243.51 

289.54 

337.30 

386.84 

438.27 

24 

243.48 

289.50 

337.25 

386.78 

438.20 

25 

243.45 

289.46 

337.20 

386.72 

438.]  3 

26 

243.42 

289.42 

337.15 

386.66 

438.05 

27 

243.40 

289.38 

337.10 

386.60 

437.97 

28 

243.38 

289.35 

337.05 

386.54 

437.89 

29 

243.36 

289.32 

337.01 

386.48 

437.81 

30 

243.35 

289.30 

336.97 

386.42 

437.73 

31 

243.35 

289.28 

336.93 

386.36 

437.65 

32 

'  243.35 

289.27 

336.90 

386.30 

437.57 

33 

243.36 

289.27 

336.88 

386.26 

437.50 

34 

243.38 

289.28 

336.87 

386.23 

437.45 

35 

243.42 

289.31 

336.87 

386.21 

437.42 

36 

243.48 

289.36 

336.90 

386.21 

437.40 

37 

243.57 

289.44 

336.96 

386.24 

437.40 

38 

243.70 

289.56 

337.05 

386.30 

437.40 

39 

243.87 

289.72 

337.18 

386.39 

437.41 

40 

244.08 

289.91 

337.34 

386.49 

437.43 

41 

244.33 

290.13 

337.52 

386.60 

437.44 

42 

244.61 

290.37 

337.71 

386.70 

437.44 

43 

244.91 

290.62 

337.89 

386.78 

437.41 

44 

245.22 

290.88 

338.05 

386.84 

437.35 

45 

245.53 

291.13 

338.19 

386.87 

437.25 

46 

245.83 

291.36 

338.31 

386.86 

437.08 

47 

246.13 

291.57 

338.41 

386.82 

436.85 

48 

246.42 

291.76 

338.48 

386.74 

436.58 

49 

246.70 

291.94 

338.52 

386.62 

436.26 

50 

246.99 

292.11 

338.55 

386.46 

435.89 

51 

247.29 

292.29 

338.58 

386.28 

435.48 

52 

247.61 

292.49 

338.60 

386.08 

435.03 

53 

247.96 

292.71 

338.63 

385.86 

434.54 

54 

248.34 

292.95 

338.67 

385.63 

434.01 

55 

248.77 

293.22 

338.72 

385.40 

433.44 

56 

249.25 

293.53 

338.79 

385.18 

432.83 

57 

249.78 

293.87 

338.87 

384.92 

432.17 

58 

250.35 

294.24 

338.94 

384.62 

431.43 

59 

250.96 

294.62 

338.99 

384.24 

430.58 

60 

251.59 

294.99 

339.00 

383.78 

429.57 

61        252.24        295.35        338.94       383.21       428.38 


146 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

19  Year  Endowment 

Years 

\ 

A^e 

11 

12 

13 

14 

21 

491.80 

547.21 

604.75 

664.49 

22 

491.73 

547.13 

604.66 

664.40 

23 

491.65 

547.04 

604.57 

664.30 

24 

491.57 

546.95 

604.47 

664.20 

25 

491.48 

546.85 

604.36 

664.09 

26 

491.39 

546.75 

604.25 

663.97 

27 

491.29 

546.64 

604.13 

663.84 

28 

491.19 

546.53 

604.00 

663.70 

29 

491.08 

546.41 

603.87 

663.56 

30 

490.98 

546.29 

603.73 

663.41 

31 

490.88 

546.16 

603.59 

663.25 

32 

490.78 

546.03 

603.44 

663.08 

33 

490.69 

545.91 

603.29 

662.91 

34 

490.60 

545.79 

603.14 

662.73 

35 

490.52 

545.67 

602.98 

662.54 

36 

490.45 

545.56 

602.82 

662.33 

37 

490.39 

545.46 

602.65 

662.09 

38 

490.34 

545.34 

602.46 

661.82 

39 

490.30 

545.19 

602.22 

661.52 

40 

490.24 

545.02 

601.95 

661.18 

41 

490.15 

544.82 

601.65 

660.79 

42 

490.03 

544.58 

601.30 

660.34 

43 

489.87 

544.29 

600.88 

659.82 

44 

489.66 

543.94 

600.40 

659.22 

45 

489.40 

543.53 

599.84 

658.53 

46 

489.08 

543.04 

599.19 

657.74 

47 

488.69 

542.47 

598.45 

656.86 

48 

488.23 

541.81 

597.60 

655.86 

49 

487.70 

541.06 

596.64 

654.73 

50 

487.10 

540.22 

595.57 

653.47 

51 

486.44 

539.29 

594.40 

652.09 

52 

485.71 

538.27 

593.12 

650.58 

53 

484.92 

537.16 

591.71, 

648.92 

54 

484.06 

535.94 

590.17 

647.10 

55 

483.14 

534.68 

588.49 

645.10 

56 

482.13 

533.25 

586.64 

642.88 

57 

481.01 

531.65 

584.57 

640.39 

58 

479.75 

529.85 

582.25 

637.60 

59 

478.32 

527.82 

579.65 

634.50 

60 

476.68 

525.53 

576.74 

631.12 

61  474.81  522.97  573.59  627.49 


147 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

19  Year  Endowment 

Years 

A^e 

15 

16 

17 

18 

21 

726.54 

791.00 

857.98 

927.60 

22 

726.45 

790.92 

857.92 

927.56 

23 

726.36 

790.83 

857.85 

927.52 

24 

726.26 

790.73 

857.77 

927.48 

25 

726.15 

790.62 

857.68 

927.43 

26 

726.03 

790.5] 

857.58 

927.38 

27      • 

725.90 

790.39 

857.48 

927.32 

28       ■ 

725.76 

790.26 

857.37 

927.25 

29 

725.61 

790.13 

857.26 

927.18 

30 

725.45 

789.99 

857.14 

927.10 

31 

725.28 

789.83 

857.00 

927.01 

32 

725.10 

789.65 

856.85 

926.91 

33 

724.91 

789.46 

856.68 

926.79 

34 

724.71 

789.25 

856.49 

926.66 

35 

724.49 

789.01 

856.28 

926.52 

36 

724.25 

788.74 

856.05 

926.37 

37 

723.98 

788.44 

855.79 

926.20 

38 

723.67 

788.11 

855.49 

926.00 

39 

723.32 

787.74 

855.15 

925.78 

40 

722.92 

787.33 

854.77 

925.54 

41 

722.47 

786.87 

854.35 

925.27 

42 

721.95 

786.34 

853.88 

924.96 

43 

721.35 

785.74 

853.34 

924.61 

44 

720.67 

785.06 

852.73 

924.21 

45 

719.90 

784.28 

852.04 

923.76 

46 

719.01 

783.40 

851.26 

923.26 

47 

718.01 

782.42 

850.39 

922.70 

48 

716.90 

781.32 

849.42 

922.08 

49 

715.67 

780.08 

848.34 

921.38 

50 

714.31 

778.70 

847.14 

920.60 

51 

712.81 

777.18 

845.81 

919.74 

52 

711.15 

775.50 

844.33 

918.77 

53 

709.31 

773.65 

842.69 

917.70 

54 

707.27 

771.60 

840.87 

916.51 

55 

705.03 

769.34 

838.87 

915.19 

56 

702.56 

766.82 

836.66 

913.72 

57 

699.80 

764.01 

834.19 

912.08 

58 

696.72 

760.90 

831.46 

910.29 

59 

693.34 

757.51 

828.46 

908.34 

60 

689.68 

753.83 

825.19 

906.18 

61  685.76  749.85  821.65  903.78 


148 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

14  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

s 

21 

55.50 

113.05 

172.76 

234.72 

299.02 

22 

55.48 

113.03 

172.73 

234.68 

298.97 

23 

55.46 

113.01 

172.70 

234.64 

298.91 

24 

55.45 

112.99 

172.67 

234.59 

298.85 

25 

55.44 

112.97 

172.63 

234.54 

298.79 

26 

55.43 

112.94 

172.59 

234.49 

298.73 

27 

55.42 

112.91 

172.55 

234.44 

298.66 

28 

55.41 

112.88 

172.51 

234.39 

298.59 

29 

55.39 

112.85 

172.47 

234.33 

298.52 

30 

55.38 

112.82 

172.43 

234.27 

298.44 

31 

55.37 

112.79 

172.39 

234.21 

298.36 

32 

55.36 

112.76 

172.35 

234.15 

298.28 

33 

55.34 

112.73 

172.30 

234.09 

298.20 

34 

55.33 

112.70 

172.25 

234.02 

298.11 

35 

55.32 

112.67 

172.20 

233.94 

298.01 

36 

55.31 

112.64 

172.15 

233.86 

297.90 

37 

55.30 

112.61 

172.10 

233.78 

297.79 

38 

55.28 

112.59 

172.04 

233.70 

297.68 

39 

55.27 

112.57 

171.99 

233.63 

297.58 

40 

55.26 

112.55 

171.95 

233.57 

297.48 

41 

55.26 

112.54 

171.92 

233.51 

297.39 

42 

55.27 

112.54 

171.90 

233.46 

297.30 

43 

55.28 

112.55 

171.88 

233.42 

297.20 

44 

55.30 

112.56 

171.87 

233.36 

297.08 

45 

55.32 

112.57 

171.85 

233.28 

296.93 

46 

55.33 

112.58 

171.82 

233.17 

296.73 

47 

55.34 

112.58 

171.76 

233.02 

296.48 

48 

55.34 

112.55 

171.67 

232.82 

296.17 

49 

55.33 

112.49 

171.54 

232.57 

295.79 

50 

55.31 

112.41 

171.37 

232.28 

295.34 

51 

55.28 

112.31 

171.17 

231.94 

294.83 

52 

55.25 

112.19 

170.93 

231.55 

294.26 

53 

55.21 

112.05 

170.66 

231.11 

293.02 

54 

55.16 

111.90 

170.35 

230.62 

292.92 

55 

55.10 

111.73 

170.01 

230.08 

292.15 

56 

55.03 

111.54 

169.64 

229.49 

291.31 

57 

54.96 

111.34 

169.28 

228.86 

290.39 

58 

54.89 

111.13 

168.86 

228.18 

289.38 

59 

54.81 

110.90 

168.40 

227.44 

288.28 

60 

54.73 

110.65 

167.89 

226.64 

287.09 

61  54.64  110.38  167.37  225.78  285.81 


149 


AMER. 
EXP. 

TERMINAL   RESERVES 

3^ 

14  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

21 

365.74 

434.99 

506.87 

581.49 

22 

365.68 

434.92 

506.79 

581.41 

23 

365.61 

434.85 

506.71 

581.33 

24 

365.54 

434.77 

506.63 

581.24 

25 

365.47 

434.69 

506.54 

581.15 

26 

365.39 

434.60 

506.44 

581.04 

27 

365.31 

434.51 

506.34 

580.94 

28 

365.23 

434.41 

506.24 

580.83 

29 

365.15 

434.31 

506.13 

580.71 

30 

365.06 

434.20 

506.01 

580.58 

31 

364.96 

434.08 

505.88 

580.44 

32 

364.85 

433.96 

505.74 

580.29 

33 

364.73 

433.83 

505.59 

580.13 

34 

364.61 

433.69 

505.43 

579.96 

35 

364.49 

433.54 

505.25 

579.78 

36 

364.36 

433.38 

505.07 

579.59 

37 

364.22 

433.21 

504.88 

579.38 

38 

364.08 

433.04 

504.68 

579.14 

39 

363.95 

432.87 

504.47 

578.88 

40 

363.82 

432.69 

504.24 

578.60 

41 

363.68 

432.50 

503.99 

578.30 

42 

363.53 

432.29 

503.71 

577.95 

43 

363.36 

432.05 

503.38 

577.55 

44 

363.16 

431.76 

503.00 

577.11 

45 

362.91 

431.41 

502.55 

576.57 

46 

362.60 

430.99 

502.01 

575.94 

47 

362.23 

430.49 

501.38 

575.24 

48 

361.78 

429.90 

500.66 

574.42 

49 

361.25 

429.22 

499.84 

573.49 

50 

360.64 

428.45 

498.92 

572.45 

51 

359.95 

427.58 

497.89 

571.29 

52 

359.18 

426.61 

496.74 

569.99 

53 

358.33 

425.54 

495.46 

568.54 

54 

357.39 

424.36 

494.05 

566.94 

55 

356.35 

423.06 

492.49 

565.18 

56 

355.21 

421.63 

490.78 

563.24 

57 

353.97 

420.07 

488.91 

561.07 

58 

352.63 

418.37 

486.86 

558.74 

59 

351.17 

416.50 

484.62 

556.17 

60 

349.58 

414.45 

482.16 

553.34 

61  347.84  412.22  479.45  550.22 


150 


AIV1£JK. 
EXP. 

TERMINAL   RESERVES 

3^^ 

14  Year  Endowment 

Years 

Aife 

10 

11 

12 

13 

21 

658.97 

739.42 

822.99 

909.80 

22 

658.89 

739.35 

822.93 

909.77 

23 

658.80 

739.28 

822.87 

909.74 

24 

658.71 

739.20 

822.81 

909.70 

25 

658.62 

739.12 

822.74 

909.66 

26 

658.52 

739.03 

822.67 

909.61 

27 

658.42 

738.93 

822.59 

909.56 

28 

658.31 

738.82 

822.50 

909.50 

29 

658.19 

738.71 

822.40 

909.44 

30 

658.06 

738.59 

822.30 

909.38 

31 

657.92 

738.45 

822.19 

909.31 

32 

657.76 

738.30 

822.07 

909.24 

33 

657.59 

738.14 

821.94 

909.16 

34 

657.41 

737.97 

821.80 

909.07 

35 

657.22 

737.79 

821.64 

908.97 

36 

657.01 

737.59 

821.46 

908.86 

37 

656.78 

737.36 

821.26 

908.74 

38 

656.53 

737.11 

821.04 

908.60 

39 

656.26 

736.84 

820.80 

908.44 

40 

655.96 

736.53 

820.53 

908.26 

41 

655.62 

736.18 

820.22 

908.06 

42 

655.23 

735.79 

819.87 

907.84 

43 

654.79 

735.34 

819.48 

907.59 

44 

654.28 

734.82 

819.03 

907.30 

45 

653.69 

734.23 

818.51 

906.97 

46 

653.01 

733.56 

817.92 

900.60 

47 

652.23 

732.80 

817.26 

906.18 

48 

651.35 

731.94 

816.51 

905.70 

49 

650.36 

730.97 

815.67 

905.16 

50 

649.25 

729.88 

814.74 

904.56 

51 

648.02 

728.66 

813.70 

903.89 

52 

646.64 

727.30 

812.53 

903.14 

53 

645.10 

725.79 

811.23 

902.31 

54 

643.40 

724.12 

809.79 

901.39 

55 

641.53 

722.28 

808.20 

900.37 

56 

639.46 

720.24 

806.44 

899.23 

57 

637.19 

717.99 

804.48 

897.96 

58 

634.69 

715.50 

802.30 

896.55 

59 

631.93 

712.75 

799.88 

894.98 

60 

628.88 

709.70 

797.21 

893.25 

61  625.49  706.31  794.24  891.34 


151 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

9  Year  Endowment 

Years 

A^e 

1 

2 

3 

4 

21 

95.28 

194.13 

296.74 

403.24 

22 

95.26 

194.10 

296.70 

403.19 

23 

95.24 

194-07 

296.60 

403.14 

24 

95.22 

194.04 

296.61 

403.08 

25 

95.20 

194.01 

296.56 

403.02 

26 

95.18 

193.97 

296.51 

402.96 

27 

95.16 

193.93 

296.46 

402.90 

28 

95.14 

193.89 

296.40 

402.83 

29 

95.12 

193.85 

296.34 

402.75 

30 

95.10 

193.80 

296.27 

402.67 

31 

95.07 

193.75 

206.20 

402.58 

32 

95.04 

193.70 

296.12 

402.49 

33 

95.01 

193.64 

296.04 

402.39 

34 

94.98 

193.58 

295.96 

402.28 

35 

94.95 

193.51 

295.87 

402.16 

36 

94.91 

193.44 

295.77 

402.03 

37 

94.87 

193.36 

295.65 

401.88 

38 

94.82 

193.27 

295.52 

401.72 

39 

94.77 

193.17 

295.38 

401.55 

40 

94.72 

193.07 

295.23 

401.37 

41 

94.67 

192.97 

295.07 

401.18 

42 

94.61 

192.86 

294.90 

400.97 

43 

94.55 

192.74 

294.72 

400.73 

44 

94.48 

192.61 

294.52 

400.46 

45 

94.41 

192.46 

294.30 

400.16 

46 

94.33 

192.29 

294.04 

399.81 

47 

94.23 

192.09 

293.74 

399.40 

48 

94.12 

191.85 

293.38 

398.92 

49 

93.99 

191.57 

292.96 

398.37 

50 

93.84 

191.25 

292.47 

397.75 

51 

93.67 

190.88 

291.92 

397.04 

52 

93.47 

190.46 

291.30 

396.24 

53 

93.24 

189.99 

290.60 

395.34 

54 

92.98 

189.47 

289.82 

394.34 

55 

92.69 

188.89 

288.96 

393.24 

56 

92.37 

188.25 

288.00 

392.02 

57 

92.02 

187.54 

286.95 

390.07 

58 

91.64 

186.75 

285.77 

389.17 

59 

91.22 

185.88 

284.46 

387.51 

60 

90.75 

184.92 

283.04 

385.68 

61  90.22  183.87  281.48  383.68 


152 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

9  Year  Endowment 

Years 

Atfe 

5 

6 

7 

8 

21 

513.79 

628.56 

747.73 

871.48 

22 

513.74 

628.51 

747.68 

871.45 

23 

513.68 

628.45 

747.63 

871.42 

24 

513.62 

628.39 

747.58 

871.39 

25 

513.56 

628.33 

747.53 

871.36 

26 

513.49 

628.26 

747.47 

871.33 

27 

513.42 

628.19 

747.41 

871.29 

28 

513.34 

628.12 

747.35 

871.25 

29 

513.26 

628.04 

747.28 

871.21 

30 

513.17 

627.96 

747.20 

871.16 

31 

513.07 

627.87 

747.12 

871.10 

32 

512.97 

627.77 

747.03 

871.03 

33 

512.86 

627.66 

746.93 

870.96 

34 

512.74 

627.54 

746.82 

870.89 

35 

512.60 

627.40 

746.70 

870.81 

36 

512.45 

627.24 

746.57 

870.73 

37 

512.28 

627.07 

746.43 

870.64 

38 

512.10 

626.88 

746.27 

870.54 

39 

511.91 

626.68 

746.10 

870.43 

40 

511.70 

626.46 

745.91 

870.31 

41 

511.47 

626.22 

745.70 

870.17 

42 

511.22 

625.96 

745.46 

870.01 

43 

510.94 

625.67 

745.19 

869.83 

44 

510.63 

625.34 

744.88 

869.63 

45 

510.27 

624.96 

744.52 

869.40 

46 

509.85 

624.52 

744.11 

869.13 

47 

509.37 

624.01 

743.65 

868.82 

48 

508.81 

623.42 

743.12 

868.47 

49 

508.17 

622.75 

742.50 

868.07 

50 

507.44 

621.99 

741.83 

867.62 

51 

506.66 

621.14 

741.08 

867.12 

52 

505.70 

620.19 

740.24 

866.57 

53 

504.68 

619.13 

739.34 

865.95 

54 

503.54 

617.96 

738.29 

865.27 

55 

502.27 

616.66 

737.12 

864.50 

56 

500.87 

615.21 

735.82 

863.65 

57 

499.31 

613.60 

734.38 

862.71 

58 

497.58 

611.82 

732.78 

861.66 

59 

495.68 

609.84 

732.01 

860.50 

60 

493.59 

607.65 

729.06 

859.21 

61  491.27  605.24  726.89  857.77 


153 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3^ 

20  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

s 

20 

73.10 

141.03 

203.49 

260.17 

310.75 

21 

74.11 

143.02 

206.46 

264.10 

315.62 

22 

75.19 

145.19 

209.70 

268.40    . 

320.92 

23 

76.39 

147.58 

213.28 

273.12 

326.75 

24 

77.70 

150.21 

217.18 

278.28 

333.15 

25 

79.15 

153.09 

221.49 

284.01 

340.23 

26 

80.75 

156.28 

226.26 

290.32 

348.05 

27 

82.52 

159.84 

231.57 

297.36 

356.81 

28 

84.50 

163.79 

237.49 

305.24 

366.59 

29 

86.71 

168.21 

244.14 

314.08 

377.53 

30 

89.21 

173.23 

251.65 

324.04 

389.94 

31 

92.03 

178.88 

260.12 

335.32 

404.03 

32 

95.21 

185.25 

269.69 

348.11 

419.93 

33 

98.78 

192.43 

280.51 

362.51 

437.90 

34 

102.80 

200.52 

292.65 

378.72 

458.08 

35 

107.32 

209.58 

306.31 

396.90 

480.80 

36 

112.37 

219.73 

321.55 

417.29 

506.23 

37 

118.01 

231.06 

338.63 

440.08 

534.74 

38 

124.28 

243.69 

357.64 

465.52 

566.54 

39 

131.25 

257.71 

378.79 

493.79 

601.93 

40 

138.98 

273.27 

402.24 

525.17 

641.14 

41 

147.53 

290.48 

428.21 

559.86 

684.54 

42 

156.95 

309.48 

456.83 

598.16 

732.36 

43 

167.33 

330.36 

488.32 

640.21 

784.92 

44 

178.69 

353.25 

522.80 

686.30 

842.46 

45 

191.12 

378.26 

560.49 

736.63 

905.22 

46 

204.68 

405.56 

601.60 

791.47 

973.59 

47 

219.43 

435.23 

646.24 

851.02 

1047.89 

48 

235.42 

467.38 

694.60 

915.58 

1128.45 

49 

252.69 

502.11 

746.90 

985.41 

1215.65 

50 

271.29 

539.54 

803.26 

1060.68 

1309.65 

51 

291.26 

579.71 

863.78 

1141.54 

1410.69 

52 

312.58 

622.62 

928.43 

1227.96 

1518.74 

53 

335.19 

668.12 

997.01 

1319.67 

1633.48 

54 

358.97 

716.01 

1069.21 

1416.27 

1754.44 

55 

383.81 

766.04 

1144.69 

1517.35 

1881.02 

56 

409.61 

818.02 

1223.16 

1622.43 

2012.72 

57 

436.27 

871.77 

1304.31 

1731.17 

2149.07 

58 

463.74 

927.16 

1387.99 

1843.37 

2289.90 

59 

491.95 

984.10 

1474.07 

1958.93 

2435.14 

60 

520.84 

1042.44 

1562.35 

2077.60 

2584.49 

154 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

20  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

10 

20 

354.88 

392.14 

422.13 

444.42 

458.47 

21 

360.62 

398.71 

429.48 

452.42 

467.04 

22 

366.88 

405.89 

437.47 

461.14 

476.44 

23 

373.80 

413.79 

446.29 

470.84 

486.82 

24 

381.35 

422.45 

456.01 

481.46 

498.16 

25 

389.74 

432.12 

466.82 

493.24 

510.82 

26 

399.04 

442.80 

478.73 

506.30 

524.95 

27 

409.44 

454.70 

492.08 

521.04 

540.74 

28 

421.02 

468.03 

507.11 

537.48 

558.49 

29 

434.04 

483.09 

523.98 

556.06 

578.43 

30 

448.86 

500.14 

543.17 

577.10 

601.20 

31 

465.61 

519.50 

564.89 

601.08 

627.08 

32 

484.60 

541.37 

589.57 

628.27 

656.61 

33 

505.98 

566.13 

617.45 

659.14 

690.10 

34 

530.11 

594.00 

648.98 

694.02 

728.05 

35 

557.23 

625.45 

684.52 

733.43 

770.81 

36 

587.68 

660.75 

724.49 

777.63 

818.90 

37 

621.79 

700.35 

769.22 

827.21 

872.66 

38 

659.90 

744.48 

819.18 

882.42 

932.60 

39 

702.20 

793.57 

874.58 

943.72 

999.02 

40 

749.17 

847.92 

936.00 

1011.55 

1072.30 

41 

801.03 

908.01 

1003.79 

1086.25 

1152.97 

42 

858.22 

974.19 

1078.30 

1168.31 

1241.61 

43 

921.03 

1046.72 

1159.94 

1258.26 

1338.82 

44 

989.66 

1125.97 

1249.18 

1356.62 

1445.18 

45 

1064.51 

1212.45 

1346.59 

1464.05 

1561.34 

46 

1146.10 

1306.75 

1452.89 

1581.30 

1688.26 

47 

1234.79 

1409.32 

1568.52 

1708.97 

1826.51 

48 

1331.03 

1520.63 

1694.12 

1847.71 

1976.94 

49 

1435.20 

1641.23 

1830.27 

1998.27 

2140.45 

50 

1547.59 

1771.39 

1977.37 

2161.18 

2317.44 

51 

1668.45 

1911.50 

2135.92 

2336.85 

2508.56 

52 

1797.80 

2061.63 

2305.88 

2525.40 

2713.89 

53 

1935.30 

2221.28 

2486.81 

2726.27 

2932.96 

54 

2080.30 

2389.77 

2677.87 

2938.66 

3164.93 

55 

2232.14 

2566.31 

2878.29 

3161.72 

3408.77 

56 

2390.19 

2750.26 

3087.37 

3394.63 

3663.54 

57 

2554.00 

2941.14 

3304.52 

3636.73 

3928.79 

58 

2723.42 

3138.77 

3529.56 

3888.08 

4204.61 

59 

2898.34 

3343.04 

3762.66 

4148.90 

4491.42 

60 

3078.40 

3553.78 

4003.60 

4419.13 

4789.56 

155 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

20  Year  Mortuary  Additions 

1 

Years 

A^e 

11 

12 

13 

14 

15 

20 

463.78 

459.82 

445.90 

421.23 

385.13 

21 

472.84 

469.15 

455.23 

430.43 

394.06 

22 

482.71 

479.26 

465.44 

440.61 

403.67 

23 

493.57 

490.48 

476.90 

451.81 

414.43 

24 

505.51 

502.92 

489.39 

464.17 

426.07 

25 

518.96 

516.74 

503.44 

477.89 

439.23 

20 

533.79 

532.13 

518.89 

493.19 

453.74 

27 

550.52 

549.34 

536.39 

510.40 

470.35 

28 

569.18 

568.74 

556.00 

529.94 

489.13 

29 

590.33 

590.63 

578.37 

552.18 

510.69 

30 

614.41 

615.79 

604.06 

577.91 

535.51 

31 

641.99 

644.58 

633.62 

607.37 

564.21 

32 

673.43 

677.55 

667.34 

641.24 

596.95 

33 

709.22 

714.94 

705.79 

679.60 

634.23 

34 

749.63 

757.34 

749.15 

723.03 

676.26 

35 

795.33 

805.07 

798.10 

771.88 

723.24 

36 

846.51 

858.64 

852.88 

826.24 

775.43 

37 

903.83 

918.48 

913.78 

886.63 

833.39 

38 

967.60 

984.78 

981.20 

953.46 

897.57 

39 

1038.01 

1057.93 

1055.57 

1027.19 

968.41 

40 

1115.66 

1138.61 

1137.63 

1108.61 

1046.55 

41 

1201.13 

1227.46 

1228.06 

1198.27 

1132.75 

42 

1295.11 

1325.21 

1327.51 

1297.04 

1227.68 

43 

1398.24 

1432.45 

1436.77 

1405.52 

1332.17 

44 

1511.05 

1549.90 

1556.43 

1524.53 

1447.01 

45 

1634.40 

1678.34 

1687.49 

1655.13 

1573.02 

46 

1769.23 

1818.96 

1831.24 

1798.43 

1711.55 

47 

1916.29 

1972.59 

1988.36 

1955.30 

1863.37 

48 

2076.57 

2140.11 

2159.95 

2126.83 

2029.76 

49 

2250.87 

2322.57 

2347.07 

2314.31 

2212.16 

50 

2439.81 

2520.57 

2550.54 

2518.68 

2411.39 

51 

2644.06 

2735.03 

2771.46 

2741.00 

2628.33 

52 

2863.87 

2966.32 

3010.09 

2981.38 

2863.56 

53 

3098.80 

3213.82 

3265.64 

3239.36 

3116.36 

54 

3347.82 

3476.31 

3537.15 

3513.73 

3385.28 

55 

3609.72 

3752.83 

3823.42 

3803.12 

3669.30 

56 

3883.79 

4042.49 

4123.52 

4107.01 

3967.63 

57 

4169.49 

4344.79 

4437.38 

4425.21 

4280.94 

58 

4467.07 

4660.49 

4765.87 

4759.61 

4612.54 

59 

4777.44 

4990.74 

5111.15 

5113.78 

4967.30 

60 

5101.17 

5336.96 

5475.95 

5491.69 

5350.27 

156 


AMER. 
EXP. 

TERMINAL   RESERVES 

20  Year  Mortuary  Additions 

3% 

Years 

Atfe 

16 

17 

18 

19 

20 

336.90 

275.34 

199.57 

108.15 

21 

344.97 

282.33 

204.75 

111.19 

22 

353.81 

289.71 

210.37 

114.22 

23 

363.48 

298.02 

216.53 

117.79 

24 

374.15 

306.97 

223.36 

121.60 

25 

386.06 

317.27 

231.19 

126.20 

26 

399.45 

328.72 

240.02 

131.12 

27 

414.71 

342.00 

250.10 

137.08 

28 

432.14 

356.96 

261.73 

143.64 

29 

451.99 

374.29 

274.92 

151.31 

30 

475.15 

394.31 

290.50 

160.43 

31 

501.71 

417.53 

308.51 

170.75 

32 

532.24 

444.11 

328.83 

182.36 

33 

566.84 

47,^.90 

351.53 

195.29 

34 

605.52 

507.11 

376.81 

209.68 

35 

648.68 

544.17 

405.05 

225.87 

36 

696.60 

585.34 

436.47 

243.72 

37 

749.87 

631.17 

471.33 

263.67 

38 

808.90 

681.82 

509.99 

285.66 

39 

873.92 

737.72 

552.48 

309.88 

10 

945.79 

799.41 

599.56 

336.91 

41 

1025.01 

867.63 

651.83 

366.82 

42 

1112.47 

943.18 

709.65 

400.05 

43 

1208.98 

1026.47 

773.52 

436.71 

44 

1314.99 

1118.09 

843.74 

477.03 

45 

1431.49 

1218.82 

921.12 

521.69 

46 

1559.73 

1330.06 

1007.02 

571.59 

47 

1700.62 

1452.71 

1101.99 

626.53 

48 

1855.52 

1587.86 

1206.57 

687.37 

49 

2025.72 

1736.46 

1322.12 

754.94 

50 

2211.75 

1899.46 

1449.18 

829.08 

51 

2415.01 

2078.03 

1588.51 

910.96 

52 

2635.86 

2272.23 

1740.63 

1000.14 

53 

2873.29 

2481.42 

1904.06 

1095.73 

54 

3126.19 

2703.82 

2077.66 

1197.48 

55 

3393.09 

2938.66 

2261.64 

1306.08 

56 

3673.95 

3187.05 

2457.86 

1423.28 

57 

3970.71 

3451.86 

2669.53 

1551.27 

58 

4287.88 

3738.42 

2901.78 

1694.32 

59 

4631.43 

4053.06 

3160.98 

1856.24 

60 

5007.00 

4401.92 

3451.81 

2039.74 

157 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

15  Year  Mortuary  Additions 

Years 

A^e 

1 

2                         3 

4 

5 

20 

53.70 

101.48                   143.02 

177.97 

205.99 

21 

54.26 

102.58                   144.63 

180.05 

208.50 

22 

54.88 

103.79                   146.40 

182.36 

211.25 

23 

55.56 

105.12                   148.35 

184.85 

214.24 

24 

56.30 

106.58                   150.47 

187.60 

217.57 

25 

57.12 

108.17                   152.80 

190.62 

221.18 

20 

58.01 

109.92                   155.38 

193.94 

225.19 

27 

58.98 

111.84                   158.17 

197.57 

229.59 

28 

60.05 

113.94                   161.25 

201.59 

234.43 

29 

61.22 

116.24                   164.66 

206.00 

239.73 

30 

62.53 

118.82                   168.42 

210.88 

245.64 

31 

63.97 

121.66                   172.60 

216.30 

252.25 

32 

65.58 

124.82                   177.26 

222.41 

259.62 

33 

67.37 

128.37                   182.52 

229.23 

267.92 

34 

69.40 

132.39                   188.43 

236.95 

277.24 

35 

71.71 

136.92                   195.15 

245.69 

287.90 

36 

74.30 

142.09                   202.75 

255.66 

300.01 

37 

77.26 

147.93                   211.41 

266.97 

313.86 

38 

80.58 

154.54                   221.19 

279.82 

329.57 

39 

84.34 

161.98                   232.25 

294.34 

347.35 

40 

88.55 

170.37                   244.71 

310.73 

367.37 

41 

93.29 

179.79                   258.71 

329.09 

389.86 

42 

98.58 

190.33                   274.35 

349.65 

414.95 

43 

104.49 

202.06                   291.79 

372.51 

442.90 

44 

111.03 

215.08                   311.10 

397.86 

473.82 

45 

118.29 

229.50                   332.50 

425.89 

507.93 

46 

126.29 

245.42                   356.10 

456.73 

545.43 

47 

135.13 

262.95                  382.04 

490.64 

586.69 

48 

144.83 

282.18                  410.48 

527.84 

631.98 

49 

155.44 

303.22                   441.62 

568.58 

681.61 

50 

167.04 

326.23                   475.70 

613.17 

735.91 

51 

179.72 

351.40                   512.97 

661.94 

795.37 

52 

193.55 

378.83                   553.60 

715.16 

860.25 

53 

208.58 

408.67                   597.83 

773.11 

931.00 

54 

224.91 

441.09                   645.90 

836.16 

1008.08 

55 

242.56 

476.16                   697.95 

904.52 

1091.67 

56 

261.60 

514.02                   754.21 

978.42 

1182.14 

57 

282.03 

554.69                   814.66 

1057.92 

1279.56 

58 

303.81 

598.05                   879.16 

1142.80 

1383.71 

59 

326.84 

643.93                   947.45 

1232.76 

1494.23 

60 

351.03 

692.13                1019.27 

1327.48 

1610.67 

158 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

15  Year  Mortuary  Additions 

Years 

A^e 

6 

7 

8 

9 

10 

20 

226.69 

239.61 

244.31 

240.33 

227.07 

21 

229.53 

242.72 

247.63 

243.68 

230.36 

22 

232.67 

246.19 

251.27 

247.41 

234.08 

23 

236.11 

249.94 

255.25 

251.53 

238.12 

24 

239.89 

254.11 

259.72 

256.11 

242.59 

25 

244.04 

258.71 

264.61 

261.08 

247.51 

26 

•   248.67 

263.81 

270.00 

266.64 

253.11 

27 

253.71 

269.34 

275.89 

272.79 

259.13 

28 

259.24 

275.45 

282.50 

279.54 

265.86 

29 

265.34 

282.25 

289.70 

287.00 

273.14 

30 

272.20 

289.80 

297.80 

295.26 

281.38 

31 

279.76 

298.21 

306.70 

304.49 

290.46 

32 

288.29 

307.60 

316.80 

314.86 

300.86 

33 

297.81 

318.20 

328.11 

326.66 

312.64 

34 

308.62 

330.17 

341.04 

340.10 

326.18 

35 

320.93 

343.95 

355.91 

355.68 

341.78 

36 

335.03 

359.72 

373.01 

373.51 

359.82 

37 

351.13 

377.80 

392.53 

394.02 

380.40 

38 

369.47 

398.30 

414.81 

417.25 

403.84 

39 

390.14 

421.52 

439.87 

443.50 

430.21 

40 

413.51 

447.63 

468.15 

473.01 

459.64 

41 

439.63 

476.91 

499.75 

505.78 

492.29 

42 

468.85 

509.55 

534.82 

542.12 

528.49 

43 

501.31 

545.66 

573.58 

582.30 

568.54 

44 

537.09 

585.45 

616.31 

626.59 

612.72 

45 

576.55 

629.34 

663.46 

675.52 

661.47 

46 

619.96 

677.66 

715.41 

729.39 

715.24 

47 

667.74 

730.88 

772.59 

788.78 

774.50 

48 

720.23 

789.32 

835.47 

854.08 

839.79 

49 

777.72 

853.41 

904.42 

925.79 

911.63 

50 

840.70 

923.61 

980.06 

1004.^0 

990.55 

51 

909.66 

1000.59 

1063.16 

1091.50 

1077.42 

52 

985.02 

1084.86 

1154.14 

1186.14 

1172.75 

53 

1067.31 

1176.89 

1253.63 

1290.09 

1277.36 

54 

1156.99 

1277.33 

1362.34 

1403.91 

1392.23 

55 

1254.37 

1386.50 

1480.72 

1528.15 

1517.85 

56 

1359.87 

1505.00 

1609.51 

1663.55 

1654.85 

57 

1473.66 

1633.04 

1748.88 

1810.17 

1803.59 

58 

1595.49 

1770.29 

1898.32 

1967.71 

1963.57 

59 

1724.89 

1916.10 

2057.34 

2135.46 

2133.96 

60 

1861.25 

2069.97 

2225.26 

2312.62 

2314.07 

159 


AMER. 
EXP. 

TERMINAL   RESERVES 

3% 

15 

Year  Mortuary  Additions 

Years 

A^e 

11 

12 

13 

14 

20 

203.99 

170.52 

125.91 

69.32 

21 

207.11 

173.22 

127.88 

70.39 

22 

210.59 

176.18 

130.17 

71.82 

23 

214.31 

179.42 

132.76 

73.24 

24 

218.52 

183.22 

135.66 

75.01 

25 

223.25 

187.31 

138.89 

76.78 

26 

228.47 

191.96 

142.41 

78.89 

27 

234.19 

196.86 

146.24 

80.99 

28 

240.42 

202.36 

150.40 

83.46 

29 

247.32 

208.30 

155.06 

86.11 

30 

255.01 

215.14 

160.38 

89.31 

31 

263.66 

222.76 

166.41 

92.74 

32 

273.54 

231.60 

173.28 

96.90 

33 

284.83 

241.56 

181.22 

101.47 

34 

297.70 

253.12 

190.23 

106.83 

35 

312.74 

266.47 

200.88 

113.20 

36 

329.97 

281.96 

213.18 

120.39 

37 

349.78 

299.69 

227.05 

128.47 

38 

372.24 

319.56 

242.56 

137.50 

39 

397.27 

341.63 

259.74 

147.48 

40 

425.17 

366.24 

278.95 

158.73 

41 

456.11 

393.55 

300.29 

171.10 

42 

490.44 

423.91 

323.94 

184.92 

43 

528.47 

457.43 

350.14 

200.13 

44 

570.32 

494.42 

378.93 

216.88 

45 

616.62 

535.26 

410.86 

235.62 

40 

667.62 

580.40 

446.28 

256.31 

47 

724.00 

630.45 

485.51 

279.34 

48 

786.25 

685.67 

528.87 

304.74 

49 

854.69 

746.44 

576.55 

332.69 

50 

929.99 

813.33 

629.15 

363.68 

51 

1012.97 

887.27 

687.62 

398.35 

52 

1104.24 

968.89 

752.30 

436.53 

53 

1204.71 

1058.92 

823.56 

478.82 

54 

1315.28 

1158.04 

902.43 

525.89 

55 

1436.22 

1266.83 

989.17 

577.48 

56 

1568.57 

1386.18 

1084.42 

634.57 

57 

1712.52 

1516.07 

1188.45 

696.74 

58 

1867.35 

1655.99 

1300.14 

763.25 

59 

2032.43 

1804.85 

1418.83 

834.12 

60 

2206.71 

1962.03 

1544.60 

909.73 

160 


AMER. 
EXP. 

TERMINAL 

RESERVES 

3% 

10  Year  Mortuary  Additions 

Years 

A^e 

1 

2 

3 

4 

5 

20 

34.65 

62.66 

83.68 

97.31 

103.19 

21 

34.95 

63.22 

84.44 

98.25 

104.25 

22 

35.27 

63.81 

85.27 

99.26 

105.34 

23 

35.61 

64.46 

86.18 

100.34 

106.53 

24 

35.98 

65.18 

87.16 

101.53 

107.86 

25 

36.39 

65.94 

88.23 

102.84 

109.29 

26 

36.83 

66.76 

89.37 

104.21 

110.80 

27 

37.31 

67.67 

90.63 

105.73 

112.52 

28 

37.84 

68.65 

91.99 

107.42 

114.38 

29 

38.42 

69.74 

93.54 

109.30 

116.44 

30 

39.05 

70.95 

95.22 

111.32 

118.70 

31 

39.76 

72.28 

97.07 

113.59 

121.28 

32 

40.52 

73.72 

99.09 

116.10 

124.05 

33 

41.36 

75.32 

101.36 

118.85 

127.13 

34 

42.29 

77.09 

103.83 

121.88 

130.46 

35 

43.33 

79.06 

106.60 

125.23 

134.24 

36 

44.47 

81.24 

109.64 

128.98 

138.39 

37 

45.77 

83.69 

113.10 

133.20 

143.17 

38 

47.21 

86.45 

116.98 

138.00 

148.57 

39 

48.85 

89.57 

121.42 

143.49 

154.81 

40 

50.72 

93.18 

126.53 

149.85 

161.98 

41 

52.87 

97.31 

132.42 

157.13 

170.29 

42 

55.32 

102.03 

139.12 

165.49 

179.73 

43 

58.10 

107.36 

146.73 

174.92 

190.46 

44 

61.22 

113.38 

155.28 

185.55 

202.49 

45 

64.75 

120.14 

164.91 

197.48 

215.89 

46 

68.67 

127.70 

175.64 

210.68 

230.71 

47 

73.06 

136.12 

187.53 

225.32 

247.15 

48 

77.93 

145.42 

200.66 

241.49 

265.34 

49 

83.29 

155.67 

215.15 

259.34 

285.42 

50 

89.21 

167.00 

231.17 

279.10 

307.61 

51 

95.75 

179.51 

248.86 

300.88 

332.13 

52 

102.97 

193.32 

268.37 

324.94 

359.17 

53 

110.91 

208.50 

289.85 

351.42 

389.02 

54 

119.62 

225.18 

313.44 

380.55 

421.90 

55 

129.17 

243.47 

339.35 

412.60 

458.04 

56 

139.66 

263.56 

367.86 

447.85 

497.88 

57 

151.13 

285.59 

399.11 

486.54 

541.63 

58 

163.69 

309.68 

433.33 

528.95 

589.68 

59 

177.38 

336.01 

470.76 

575.44 

642.51 

60 

192.29 

364.67 

511.59 

626.26 

700.35 

161 


^S"  TERMINAL   RESERVES 

10  Year  Mortuary  Additions 
Years 


Aye 

6 

7 

8 

9 

20 

100.90 

89.94 

69.82 

40.06 

21 

101.95 

90.91 

70.64 

40.52 

22 

103.06 

91.95 

71.44 

40.98 

23 

104.28 

93.06 

72.34 

41.56 

24 

105.62 

94.31 

73.39 

42.20 

25 

107.08 

95.71 

74.54 

42.86 

26 

108.66 

97.17 

75.66 

43.50 

27 

110.40 

98.75 

76.95 

44.35 

28 

112.27 

100.50 

78.44 

45.19 

29 

114.40 

102.56 

80.10 

46.26 

30 

116.78 

104.76 

81.93 

47.30 

31 

119.39 

107.26 

83.92 

48.56 

32 

122.27 

109.89 

86.10 

49.81 

33 

125.39 

112.84 

88.46 

51.27 

34 

128.83 

116.02 

91.09 

52.83 

35 

132.69 

119.70 

94.12 

54.75 

36 

137.02 

123.78 

97.54 

56.78 

37 

141.98 

128.55 

101.45 

59.27 

38 

147.65 

133.90 

105.97 

61.98 

39 

154.12 

140.14 

111.10 

65.18 

40 

161.68 

147.32 

117.16 

68.97 

41 

170.35 

155.68 

124.18 

73.26 

42 

180.29 

165.21 

132.05 

78.06 

43 

191.52 

175.83 

140.80 

83.38 

44 

203.99 

187.61 

150.49 

89.27 

45 

217.87 

200.73 

161.31 

95.91 

46 

233.22 

215.25 

173.31 

103.18 

47 

250.27 

231.41 

186.62 

111.33 

48 

269.15 

249.25 

201.37 

120.29 

49 

289.95 

268.95 

217.56 

130.15 

50 

312.99 

290.73 

235.56 

141.21 

51 

338.41 

314.83 

255.55 

153.43 

52 

366.53 

341.58 

277.70 

167.02 

53 

397.62 

371.11 

302.20 

182.03 

54 

431.84 

403.65 

329.16 

198.56 

55 

469.51 

439.47 

358.90 

216.88 

56 

511.05 

479.10 

391.99 

237.41 

57 

556.79 

522.89 

428.63 

260.01 

58 

607.19 

571.22 

469.01 

285.05 

59 

662.69 

624.44 

513.70 

312.91 

60 

723.46 

682.92 

562.89 

343.47 

162 


AMER. 
EXP. 

MEAN 

Ord 

RESERVES 

[{nary  Life 

3% 

Years 

A^e 

1 

2 

3 

4 

5 

21 

11.04 

18.52 

26.23 

34.19 

42.39 

22 

11.35 

19.12 

27.13 

35.40 

43.92 

23 

11.07 

19.74 

28.07 

36.67 

45.53 

24 

12.01 

20.40 

29.07 

38.00 

47.21 

25 

12.36 

21.09 

30.10 

39.38 

48.90 

26 

12.73 

21.81 

31.18 

40.84 

50.79 

27 

13.12 

22.57 

32.31 

42.35 

52.70 

28 

13.52 

23.36 

33.49 

43.93 

54.70 

29 

13.95 

24.18 

34.73 

45.59 

56.79 

30 

14.39 

25.04 

36.02 

47.33 

58.97 

31 

14.86 

25.96 

37.38 

49.15 

61.26 

32 

15.35 

26.91 

38.80 

51.05 

63.66 

33 

15.86 

27.90 

40.28 

53.03 

66.15 

34 

16.41 

28.95 

41.85 

55.12 

68.77 

35 

16.98 

30.05 

43.49 

57.31 

71.51 

36 

17.58 

31.20 

45.20 

59.58 

74.36 

37 

18.22 

32.41 

46.99 

61.96 

77.34 

38 

18.87 

33.66 

48.85 

64.45 

80.46 

39 

19.57 

34.99 

50.82 

67.06 

83.73 

40 

20.31 

36.38 

52.87 

69.80 

87.14 

41 

21.09 

37.85 

55.05 

72.67 

90.72 

42 

21.90 

39.39 

57.31 

75.67 

94.44 

43 

22.77 

41.01 

59.68 

78.79 

98.30 

44 

23.08 

42.69 

62.15 

82.02 

102.30 

45 

24.64 

44.47 

64.72 

85.39 

106.43 

46 

25.64 

46.30 

67.38 

88.84 

110.65 

47 

26.70 

48.22 

70.13 

92.39 

114.98 

48 

27.82 

50.20 

72.95 

96.04 

119.42 

49 

28.97 

52.24 

75.84 

99.76 

123.95 

50 

30.18 

54.35 

78.83 

103.59 

128.61 

51 

31.45 

56.54 

81.91 

107.54 

133.39 

52 

32.78 

58.81 

85.09 

111.60 

138.28 

53 

34.19 

61.17 

88.38 

115.77 

143.31 

54 

35.66 

63.62 

91.77 

120.06 

148.46 

55 

37.21 

66.16 

95.27 

124.48 

153.74 

56 

38.83 

68.80 

98.88 

129.02 

159.15 

57 

40.55 

71.55 

102.62 

133.68 

164.68 

58 

42.35 

74.41 

106.46 

138.46 

170.33 

59 

44.25 

77.37 

110.42 

143.35 

176.10 

60 

46.25 

80.44 

114.50 

148.37 

181.98 

61 

48.36 

83.62 

118.69 

153.50 

187.97 

62 

50.58 

86.92 

123.02 

158.75 

194.06 

63 

52.92 

90.37 

127.46 

164.11 

200.23 

64 

55.40 

93.93 

132.01 

169.54 

206.45 

65 

57.98 

97.60 

136.65 

175.04 

212.71 

66  60.73  101.40    •  141.39  180.62  219.02 


163 


AMER. 
EXP. 

MEAN 

Ord 

RESERVES 

iinary  Life 

3% 

Years 

A^e 

6 

7 

8 

9 

lO 

21 

50.86 

59.58 

08.58 

77.86 

87.42 

22 

52.72 

61.78 

71.13 

-  80.76 

90.68 

23 

54.66 

64.08 

73.79 

83.79 

94.10 

24 

56.70 

66.48 

76.56 

86.96 

97.66 

25 

58.82 

68.99 

79.46 

90.25 

101.36 

26 

61.04 

71.61 

82.49 

93.69 

105.23 

27 

63.36 

74.34 

85.65 

97.29 

109.27 

28 

65.78 

77.20 

88.95 

101.04 

113.48 

29 

68.31 

80.18 

92.39 

104.96 

117.87 

30 

70.96 

83.30 

95.99 

109.03 

122.44 

31 

73.73 

86.56 

99.75 

113.29 

127.21 

32 

76.63 

89.96 

103.66 

117.73 

132.17 

33 

79.64 

93.49 

107.73 

122.34 

137.35 

34 

82.80 

97.20 

111.99 

127.17 

142.75 

35 

86.09 

101.07 

116.44 

132.21 

148.37 

36 

89.53 

105.10 

121.08 

137.45 

154.22 

37 

93.12 

109.32 

125.91 

142.91 

160.29 

38 

96.88 

113.71 

130.95 

148.58 

166.59 

39 

100.81 

118.30 

136.19 

154.47 

173.12 

40 

104.91 

123.08 

141.64 

160.58 

179.86 

41 

109.18 

128.04 

147.29 

166.88 

186.79 

42 

113.61 

133.18 

153.11 

173.35 

193.89 

43 

118.21 

138.48 

159.08 

179.99 

201.17 

44 

122.94 

143.92 

165.21 

186.77 

208.59 

45 

127.81 

149.50 

171.48 

193.72 

216.18 

46 

132.78 

155.20 

177.88 

200.79 

223.89 

47 

137.87 

161.03 

184.41 

207.99 

231.73 

48 

143.08 

166.97 

191.07 

215.32 

239.71 

49 

148.39 

173.04 

197.85 

222.78 

247.81 

50 

153.83 

179.23 

204.75 

230.37 

256.03 

51 

159.41 

185.56 

211.80 

238.10 

264.40 

52 

165.10 

192.02 

218.99 

245.96 

272.87 

53 

170.94 

198.63 

226.31 

253.94 

281.47 

54 

176.91 

205.36 

233.75 

262.04 

290.17 

55 

183.01 

212.21 

241.31 

270.25 

298.97 

56 

189.23 

219.19 

248.98 

278.56 

307.85 

57 

195.57 

226.28 

256.77 

286.97 

316.79 

58 

202.03 

233.49 

264.65 

295.43 

325.78 

59 

208.60 

240.79 

272.59 

303.94 

334.77 

60 

215.27 

248.17 

280.59 

312.47 

343.75 

61 

222.03 

255.60 

288.62 

321.00 

352.70 

62 

228.86 

263.09 

296.66 

329.52 

361.62 

63 

235.75 

270.59 

304.69 

338.01 

370.54 

64 

242.65 

278.09 

312.71 

346.50 

379.55 

65 

249.57 

285.58 

320.74 

355.12 

388.81 

66  256.52  293.15  328.95  364.03  398.50 


164 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

Ordinary  Life 

Years 

A^e 

11 

12 

13 

14 

15 

21 

97.27 

107.43 

117.89 

128.65 

139.74 

22 

100.91 

111.45 

122.29 

133.46 

144.96 

23 

104.71 

115.64 

126.89 

138.48 

150.39 

24 

108.67 

120.02 

131.69 

143.70 

156.05 

25 

112.80 

124.58 

136.69 

149.14 

161.93 

26 

117.11 

129.32 

141.88 

154.79 

168.04 

27 

121.59 

134.27 

147.29 

160.67 

174.40 

28 

126.27 

139.42 

152.92 

166.78 

181.01 

29 

131.14 

144.78 

158.78 

173.15 

187.89 

30 

136.22 

150.36 

164.87 

179.76 

195.03 

31 

141.51 

156.18 

171.23 

186.65 

202.44 

32 

147.01 

162.23 

177.82 

193.79 

210.12 

33 

152.74 

168.52 

184.67 

201.19 

218.07 

34 

158.71 

175.06 

191.78 

208.86 

226.29 

35 

164.93 

181.86 

199.15 

216.80 

234.76 

36 

171.37 

188.89 

206.77 

224.97 

243.47 

37 

178.05 

196.17 

214.62 

233.37 

252.40 

38 

184.97 

203.69 

222.70 

241.99 

261.54 

39 

192.11 

211.41 

230.99 

250.83 

270.90 

40 

199.45 

219.34 

239.48 

259.85 

280.44 

41 

206.99 

227.46 

248.16 

269.08 

290.17 

42 

214.70 

235.76 

257.03 

278.47 

300.06 

43 

222.59 

244.23 

266.05 

288.02 

310.10 

44 

230.63 

252.85 

275.22 

297.71 

320.27 

45 

238.82 

261.62 

284.54 

307.54 

330.58 

46 

247.14 

270.51 

293.97 

317.48 

340.98 

47 

255.59 

279.54 

303.54 

327.53 

351.48 

48 

264.18 

288.69 

313.21 

337.68 

362.05 

49 

272.88 

297.95 

322.97 

347.90 

372.69 

50 

281.70 

307.31 

332.83 

358.21 

383.40 

51 

290.64 

316.79 

342.79 

368.60 

394.16 

52 

299.69 

326.35 

352.82 

379.04 

404.94 

53 

308.84 

336.02 

362.93 

389.51 

415.72 

54 

318.09 

345.74 

373.06 

399.99 

426.48 

55 

327.42 

355.52 

383.22 

410.46 

437.19 

56 

336.79 

365.32 

393.37 

420.88 

447.82 

57 

346.20 

375.12 

403.49 

431.25 

458.37 

58 

355.62 

384.89 

413.54 

441.53 

468.85 

59 

365.01 

394.61 

423.52 

451.76 

479.36 

60 

374.37 

404.27 

433.47 

462.02 

489.99 

61 

383.67 

413.90 

443.46 

472.42 

500.88 

62 

392.96 

423.60 

453.63 

483.13 

512.17 

63 

402.34 

433.50 

464.11 

494.26 

523.98 

64 

411.93 

443.74 

475.06 

505.95 

536.39 

65 

421.90 

454.49 

486.62 

518.28 

549.46 

66 


432.44 


465.90 


498.88 


531.36 


563.22 


165 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

Ordinary  Life 

^i^^ 

Years 

A^e 

16 

17 

18 

19 

20 

21 

151.15 

162.88 

174.95 

187.35 

200.08 

22 

156.78 

168.93 

181.42 

194.25 

207.43 

23 

162.64 

175.23 

188.16 

201.44 

215.06 

24 

168.74 

181.77 

195.15 

208.89 

222.99 

25 

175.07 

188.56 

202.41 

216.63 

231.19 

26 

181.65 

195,62 

209.96 

224.65 

239.70 

27 

188.50 

202.96 

217.78 

232.96 

248.49 

28 

195.61 

210.57 

225.90 

241.57 

257.58 

29 

202.99 

218.47 

234.29 

250.46 

266.96 

30 

210.06 

226.64 

242.97 

259.63 

'  276.60 

31 

218.60 

235.11 

251.95 

269.09 

286.52 

32 

226.81 

243.84 

261.17 

278.79 

296.66 

33 

235.29 

252.83 

270.65 

288.73 

307.05 

34 

244.04 

262.08 

280.37 

298.91 

317.66 

35 

253.02 

271.55 

290.32 

309.31 

328.49 

36 

262.24 

281.26 

300.49 

319.92 

339.52 

37 

271.67 

291.17 

310.87 

330.73 

350.72 

38 

281.32 

301.29 

321.43 

341.71 

302.09 

39 

291.17 

311.60 

332.18 

352.86 

373.62 

40 

301.19 

322.09 

343.09 

364.17 

385.28 

41 

311.40 

332.74 

354.16 

375.62 

397.07 

42 

321.76 

343.54 

365.35 

387.17 

408.95 

43 

332.26 

354.46 

376.66 

398.82 

420.89 

44 

342.88 

365.49 

388.06 

410.54 

432.89 

45 

353.62 

376.62 

399.53 

422.31 

444.93 

46 

364.44 

387.81 

411.05 

434.12 

456.96 

47 

375.34 

399.06 

422.61 

445.93 

468.97 

48 

386.29 

410.36 

434.19 

457.73 

480.93 

49 

397.30 

421.67 

445.75 

469.48 

492.82 

50 

408.35 

432.99 

457.29 

481.18 

504.62 

51 

419.41 

444.31 

468.78 

492.79 

516.30 

52 

430.47 

455.57 

480.20 

504.30 

527.84 

53 

441.49 

466.77 

491.52 

515.69 

539.29 

54 

452.46 

477.88 

502.72 

526.97 

550.68 

55 

463.34 

488.89 

513.84 

538.23 

562.13 

56 

474.13 

499.82 

524.93 

549.54 

573.72 

57 

484.85 

510.74 

536.11 

561.03 

585.57 

58 

495.57 

521.75 

547.47 

572.80 

597.77 

59 

506.40 

532.97 

559.14 

584.93 

610.35 

60 

517.47 

544.53 

571.21 

597.51 

623.41 

61 

528.90 

556.53 

583.75 

610.57 

630.86 

62 

540.81 

569.03 

596.83 

624.09 

650.73 

63 

553.27 

582.12 

610.42 

638.06 

665.15 

64 

566.37 

595.77 

624.49 

652.63 

680.39 

65 

580.05 

609.93 

639.21 

668.09 

696.78 

66        594.34        624.84        654.91       684.79       714.39 


166 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

19  Payment  Life 

Years 

A^e 

1 

2 

3 

4 

5 

21 

20.81 

38.42 

56.66 

75.55 

95.11 

22 

21.16 

39.13 

57.72 

76.97 

96.91 

23 

21.52 

39.82 

58.79 

78.42 

98.74 

24 

21.89 

40.56 

59.89 

79.89 

100.61 

25 

22.28 

41.32 

61.03 

81.43 

102.55 

26 

22.68 

42.10 

02.21 

83.02 

104.56 

27 

23.09 

42.91 

63.43 

84.65 

106.63 

28 

23.52 

43.75 

64.68 

86.34 

108.76 

29 

23.90 

44.60 

65.97 

88.07 

110.94 

30 

24.42 

45.49 

67.30 

89.86 

113.19 

31 

24.89 

46.41 

68.67 

91.69 

115.51 

32 

25.38 

47.35 

70.08 

93.58 

117.90 

33 

25.88 

48.32 

71.53 

95.53 

120.35 

34 

26.40 

49.33 

73.03 

97.54 

122.87 

35 

26.94 

50.37 

74.58 

99.60 

125.46 

36 

27.50 

51.44 

76.17 

101.71 

128.11 

37 

28.08 

52.54 

77.80 

103.89 

130.84 

38 

28.68 

53.68 

79.48 

100.13 

133.64 

39 

29.31 

54.85 

81.22 

108.44 

136.54 

40 

29.96 

56.07 

83.01 

110.82 

139.51 

41 

30.63 

57.33 

84.87 

113.28 

142.56 

42 

31.34 

58.64 

86.79 

115.80 

145.69 

43 

32.07 

59.99 

88.76 

118.38 

148.88 

44 

32.83 

61.38 

90.77 

121.02 

152.12 

45 

33.63 

62.82 

92.85 

123.71 

155.41 

46 

34.45 

64.29 

94.96 

126.43 

158.72 

47 

35.31 

65.81 

97.10 

129.17 

162.03 

48 

36.21 

67.36 

99.26 

131.93 

105.36 

49 

37.13 

68.92 

101.44 

134.70 

108.69 

50 

38.08 

70.51 

103.65 

137.49 

172.04 

51 

39.08 

72.15 

105.90 

140.32 

175.42 

52 

40.13 

73.84 

108.19 

143.18 

178.81 

53 

41.22 

75.58 

110.53 

140.08 

182.23 

54 

42.36 

77.36 

112.91 

149.02 

185.68 

55 

43.57 

79.21 

115.35 

152.01 

189.17 

56 

44.83 

81.12 

117.86 

155.06 

192.70 

57 

46.17 

83.11 

120.44 

158.16 

196.27 

58 

47.59 

85.17 

123.09 

161.32 

199.87 

59 

49.09 

87.32 

125.81 

164.54 

203.52 

60 

50.67 

89.55 

128.61 

167.83 

207.22 

61         52.36         91.88        131.50       171.20       210.9^ 


167 


AMER. 
EXP. 

MEAN 

RESERVES 

3Vb 

19  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

115.37 

136.35 

158.08 

180.57 

203.89 

22 

117.55 

138.92 

161.00 

183.98 

207.73 

23 

119.77 

141.55 

164.11 

187.47 

211.07 

24 

122.05 

144.26 

167.25 

191.06 

215.71 

25 

124.42 

147.06 

170.50 

194.77 

219.87 

26 

126.80 

149.94 

173.84 

198.58 

224.19 

27 

129.37 

152.92 

177.28 

202.51 

228.62 

28 

131.95 

155.96 

180.81 

206.53 

233.15 

29 

134.61 

159.10 

184.44 

210.67 

237.81 

30 

137.34 

162.32 

188.17 

214.91 

242.58 

31 

140.16  " 

165.64 

192.01 

219.27 

247.48 

32 

143.04 

169.04 

195.93 

223.74 

252.49 

33 

140.00 

172.53 

199.95 

228.31 

257.63 

34 

149.05 

176.11 

204.08 

233.00 

262.90 

35 

152.18 

179.79 

208.32 

237.82 

208.30 

36 

155.38 

183.55 

212.66 

242.74 

273.81 

37 

158.67 

187.42 

217.11 

247.77 

279.43 

38 

162.05 

191.39 

221.66 

252.92 

285.17 

39 

165.54 

195.46 

226.33 

258.17 

291.01 

40 

169.10 

199.61 

231.07 

263.50 

296.91 

41 

172.75 

203.85 

235.90 

208.90 

302.87 

42 

176.47 

208.17 

240.79 

274.35 

308.87 

43 

180.20 

212.54 

245.72 

279.83 

314.89 

44 

184.09 

216.93 

250.06 

285.31 

320.90 

45 

187.95 

221.35 

255.62 

290.79 

326.90 

46 

191.82 

225.77 

260.57 

296.26 

332.86 

47 

195.70 

230.18 

265.50 

301.68 

338.78 

48 

199.58 

234.58 

270.41 

307.08 

344.64 

49 

203.44 

238.96 

275.27 

312.40 

350.41 

50 

207.32 

243.33 

280.11 

317.69 

356.13 

51 

211.21 

247.72 

284.93 

322.94 

361.77 

52 

215.09 

252.08 

289.71 

328.10 

307.30 

53 

219.00 

256.40 

294.46 

333.22 

372.75 

54 

222.91 

.260.73 

299.17 

338.26 

378.09 

55 

226.85 

265.00 

303.83 

343.23 

383.33 

56 

230.80 

269.38 

308.47 

348.14 

388.45 

57 

234.77 

273.69 

313.06 

352.95 

393.43 

58 

238.75 

277.98 

317.59 

357.65 

398.24 

59 

242.75 

282.25 

322.05 

362.23 

402.87 

60 

246.77 

286.49 

326.43 

366.66 

407.28 

61        250.79        290.69        330.71       370.93       411.45 


168 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

19  Payment  Life 

Years 

Ai^ 

11 

12 

13 

14 

15 

21 

228.01 

253.01 

278.91 

305.75 

333.56 

22 

232.32 

257.79 

284.18 

311.51 

339.83 

23 

236.70 

262.65 

289.53 

317.37 

346.22 

24 

241.24 

267.68 

295.07 

323.43 

352.81 

25 

245.91 

272.85 

300.70 

329.65 

359.57 

26 

250.70 

278.15 

300.58 

336.01 

366.50 

27 

255.65 

283.63 

312.00 

342.59 

373.65 

28 

200.70 

289.22 

318.73 

349.29 

380.94 

29 

265.89 

294.95 

325.03 

356.17 

388.41 

30 

271.20 

300.82 

331.48 

363.21 

396.06 

31 

276.66 

306.85 

338.10 

370.43 

403.89 

32 

282.24 

313.02 

344.85 

377.79 

411.87 

33 

287.95 

319.32 

351.75 

385.30 

420.00 

34 

293.82 

325.77 

358.81 

392.97 

428.29 

35 

299.80 

332.35 

300.00 

400.77 

436.70 

36 

305.90 

339.05 

373.30 

408.67 

445.21 

37 

312.12 

345.87 

380.71 

416.67 

453.81 

38 

318.44 

352.78 

388.19 

424.74 

462.48 

39 

324.86 

359.77 

395.70 

432.88 

471.21 

40 

331.33 

366.79 

403.35 

441.04 

479.95 

41 

337.84 

373.86 

410.97 

449.23 

488.71 

42 

344.39 

380.95 

418.01 

457.43 

497.48 

43 

350.94 

388.04 

420.23 

405.58 

506.19 

44 

357.47 

395.09 

433.80 

473.08 

514.85 

45 

363.98 

402.10 

441.31 

481.72 

523.42 

46 

370.44 

409.04 

448.75 

489.07 

531.90 

47 

376.82 

415.90 

450.08 

497.48 

540.23 

48 

383.15 

422.68 

403.32 

505.18 

548.42 

49 

389.35 

429.31 

470.38 

512.08 

556.40 

50 

395.48 

435.83 

477.29 

520.02 

564.20 

51  ' 

401.50 

442.22 

484.00 

527.18 

571.79 

52 

407.37 

448.43 

490.01 

534.08 

579.08 

53 

413.14 

454.50 

490.98 

540.77 

586.14 

54 

418.76 

400.37 

503.10 

547.17 

592.87 

55 

424.22 

466.04 

508.98 

553.28 

599.25 

56 

429.53 

471.51 

514.59 

559.00 

605.28 

57 

434.63 

470.70 

519.88 

504.46 

610.88 

58 

439.50 

481.00 

524.80 

569.44 

610.04 

59 

444.11 

486.17 

529.33 

574.01 

020.79 

60 

448.44 

490.39 

533.48 

578.19 

025.17 

61        452.47        494.28        537.29       582.04       029.24 


169 


AMER. 
EXP. 

MEAN   RESERVES 

3% 

19  Payment  Life 

Years 

A^e 

16 

17 

18 

19 

21 

302.37 

392.23 

423.17 

455.25 

22 

369.17 

399.58 

431.08 

463.71 

23 

376.10 

407.06 

439.14 

472.40 

24 

383.24 

414.77 

447.44 

481.31 

25 

390.57 

422.68 

455.96 

490.46 

26 

398.07 

430.79 

464.68 

499.84 

27 

405.82 

439.14 

473.67 

509.45 

28 

413.71 

447.66 

482.83 

519.27 

29 

421.80 

456.38 

492.20 

529.30 

30 

430.07 

465.28 

501.75 

539.54 

31 

438.53 

474.38 

511.51 

549.96 

32 

447.14 

483.64 

521.43 

560.55 

33 

455.90 

493.04 

531.48 

571.30 

34 

464.82 

502.59 

541.69 

582.19 

35 

473.84 

512.26 

552.02 

593.21 

3G 

482.97 

522.02 

562.44 

604.33 

37 

492.18 

531.87 

572.96 

615.55 

38 

501.47 

541.79 

583.55 

626.85 

39 

510.81 

551.77 

594.20 

638.21 

40 

520.16 

561.75 

604.84 

649.59 

41 

529.51 

571.73 

615.51 

661.01 

42 

538.87 

581.72 

626.19 

672.43 

43 

548.18 

591.66 

636.81 

683.82 

44 

557.41 

601.53 

647.37 

695.17 

45 

566.56 

611.30 

657.84 

706.45 

46 

575.60 

620.96 

668.22 

717.66 

47 

584.48 

630.40 

678.44 

728.75 

48 

593.22 

639.83 

688.55 

739.73 

49 

601.74 

648.96 

698.41 

750.52 

50 

610.05 

657.89 

708.09 

761.15 

51 

618.14 

666.58 

717.55 

771.58 

52 

625.91 

674.94 

726.68 

781.78 

53 

633.41 

683.03 

735.56 

791.75 

54 

640.56 

690.75 

744.10 

801.48 

55 

647.34 

698.10 

752.31 

810.98 

56 

653.74 

705.11 

760.25 

820.31 

57 

659.71 

711.70 

767.87 

829.47 

58 

665.25 

717.93 

775.19 

838.49 

59 

670.41 

723.83 

782.27 

847.38 

60 

675.23 

729.42 

789.10 

856.15 

61 


679.75 


734.71 


795.67 


864.77 


170 


AMER, 
EXP. 

MEAN 

RESERVES 

3*^ 

14  Payment  Life 

Years 

Aie 

1 

2 

3 

4 

5 

21 

26.90 

50.84 

75.65 

101.35 

128.00 

22 

27.33 

51.70 

76.95 

103.12 

130.24 

2^ 

27.79 

52.60 

78.31 

104.95 

132.56 

24 

28.25 

53.52 

79.70 

106.83 

134.95 

25 

28.73 

54.48 

81.14 

108.77 

137.41 

26 

29.23 

55.45 

82.62 

110.77 

139.93 

27 

.     29.74 

56.46 

84.15 

112.82 

142.54 

28 

30.27 

57.50 

85.71 

114.94 

145.22 

29 

30.81 

58.57 

87.33 

117.11 

147.97 

30 

31.38 

59.08 

88.99 

119.35 

150.80 

31 

31.96 

60.82 

90.71 

121.66 

153.72 

32 

32.56 

61.99 

92.46 

124.02 

156.71 

33 

33.17 

63.18 

94.26 

126.45 

159.78 

34 

33.81 

64.43 

96.13 

128.95 

162.93 

35 

34.47 

65.70 

98.04 

131.51 

106.16 

36 

35.14 

67.01 

99.99 

134.13 

169.46 

37 

35.84 

68.35 

102.00 

136.81 

172.84 

38 

36.55 

69.73 

104.05 

139.56 

176.30 

39 

37.30 

71.15 

106.16 

142.38 

179.85 

40 

38.00 

72.60 

108.32 

145.27 

183.48 

41 

38.85 

74.10 

110.55 

148.24 

187.19 

42 

39.67 

75.65 

112.83 

151.26 

190.98 

43 

40.52 

77.24 

115.17 

154.35 

194.82 

44 

41.39 

78.85 

117.54 

157.48 

198.71 

45 

42.29 

80.52 

119.90 

160.65 

202.63 

46 

43.22 

82.20 

122.40 

163.84 

206.55 

47 

44.18 

83.92 

124.87 

107.03 

210.47 

48 

45.16 

85.66 

127.33 

170.22 

214.37 

49 

46.17 

87.39 

129.79 

173.39 

218.24 

50 

47.20 

89.15 

132.25 

176.55 

222.09 

51 

48.25 

90.92 

134.72 

179.70 

225.91 

52 

49.34 

92.71 

137.19 

182.83 

229.69 

53 

50.47 

94.52 

139.66 

185.94 

233.43 

54 

51.63 

96.35 

142.13 

189.02 

237.11 

55 

52.82 

98.19 

144.59 

192.08 

240.74 

56 

54.06 

100.05 

147.05 

195.11 

244.30 

57 

55.35 

101.95 

149.52 

198.11 

247.80 

58 

56.69 

103.88 

151.98 

201.06 

251.21 

59 

58.08 

105.83 

154.44 

203.98 

254.55 

60 

59.54 

107.82 

156.89 

206.85 

257.79 

61         61.06        109.84        159.35       209.68       260.95 


171 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

14  Payment  Life 

Years 

A^e 

6 

7 

8 

9 

10 

21 

155.61 

184.22 

213.88 

244.63 

276.51 

22 

158.34 

187.47 

217.66 

248.96 

281.40 

23 

161.17 

190.82 

221.56 

253.42 

286.45 

24 

164.08 

194.27 

225.56 

258.00 

291.62 

25 

167.07 

197.82 

229.69 

202.72 

296.96 

26 

170.15 

201.47 

233.93 

267.57 

302.44 

27 

173.33 

205.23 

238.29 

272.56 

308.08 

28 

176.59 

209.09 

242.78 

277.69 

313.87 

29 

179.94 

213.00 

247.38 

282.95 

319.81 

30 

183.38 

217.14 

252.12 

288.36 

325.91 

31 

186.93 

221.34 

256.98 

293.91 

332.18 

32 

190.57 

225.63 

261.96 

299.59 

338.59 

33 

194.29 

230.03 

267.05 

305.41 

345.15 

34 

198.11 

234.55 

272.28 

311.37 

351.88 

35 

202.03 

239.17 

277.64 

317.49 

358.77 

36 

206.03 

243.90 

283.11 

323.72 

365.79 

37 

210.13 

248.73 

288.70 

330.09 

372.96 

38 

214.33 

253.68 

294.42 

336.60 

380.26 

39 

218.62 

258.74 

300.25 

343.22 

387.69 

40 

223.00 

263.89 

300.17 

349.93 

395.21 

41 

227.48 

269.13 

312.20 

356.75 

402.82 

42 

232.02 

274.44 

318.28 

363.60 

410.47 

43 

230.63 

279.81 

324.41 

370.51 

418.18 

44 

241.27 

285.20 

330.50 

377.43 

425.90 

45 

245.92 

290.60 

336.71 

384.35 

433.62 

46 

250.57 

295.98 

342.85 

391.25 

441.30 

47 

255.22 

301.36 

348.97 

398.13 

448.96 

48 

259.84 

306.70 

355.03 

404.94 

456.55 

49 

264.41 

311.98 

361.02 

411.66 

464.05 

50 

268.95 

317.19 

366.93 

418.30 

471.45 

51 

273.43 

322.34 

372.76 

424.84 

478.73 

52 

277.85 

327.41 

378.49 

431.24 

485.86 

53 

282.21 

332.39 

384.09 

437.50 

492.81 

54 

286.48 

337.25 

389.55 

443.58 

499.57 

55 

290.66 

341.98 

394.84 

449.46 

506.12 

56 

294.74 

346.56 

399.95 

455.14 

512.41 

57 

298.72 

351.02 

404.89 

460.59 

518.45 

58 

302.57 

355.29 

409.60 

465.77 

524.16 

59 

306.30 

359.40 

414.08 

470.67 

529.55 

60 

309.88 

363.28 

418.29 

475.23 

534.55 

61        313.30        366.96        422.21       479.43       539.15 


172 


AMER. 
EXP. 

MEAN    RESERVES 

3^ 

14  Payment  Life 

Years 

Atfe 

11 

12 

13 

14 

21 

309.50 

343.83 

379.38 

416.25 

22 

315.04 

349.92 

386.08 

423.62 

23 

320.G9 

350.19 

393.01 

431.20 

24 

32C.48 

302.03 

400.12 

439.00 

25 

332.46 

309.27 

407.43 

447.02 

26 

338.C0 

370.08 

414.95 

455.25 

27 

344.90 

383.08 

422.06 

463.71 

28 

351.38 

390.20 

430.58 

472.40 

29 

358.02 

397.02 

438.09 

481.31 

30 

3C4.84 

405.20 

447.05 

490.40 

31 

371.84 

412.97 

455.01 

499.84 

32 

379.01 

420.92 

404.37 

509.45 

33 

380.34 

429.05 

473.33 

519.27 

34 

393.80 

437.38 

482.50 

529.30 

35 

401.55 

445.89 

491.86 

539.54 

36 

409.38 

454.56 

501.39 

549.90 

37 

417.30 

403.38 

511.08 

500.55 

38 

425.49 

472.35 

520.92 

571.30 

39 

433.74 

481.45 

530.89 

582.19 

40 

442.08 

490.63 

540.90 

593.21 

41 

450.51 

499.91 

551.15 

604.33 

42 

458.99 

509.25 

561.39 

015.55 

43 

407.52 

518.05 

571.71 

020.85 

44 

470.07 

528.07 

582.00 

638.21 

45 

484.01 

537.49 

592.41 

649.59 

46 

493.13 

540.89 

002.77 

661.01 

47 

501.02 

556.26 

013.11 

672.43 

48 

510.03 

565.57 

623.41 

683.82 

49 

518.36 

574.79 

633.63 

695.17 

50 

520.57 

583.91 

643.74 

700.45 

51 

534.05 

592.88 

653.74 

717.66 

52 

542.57 

601.70 

663.60 

728.75 

53 

550.31 

010.33 

073.29 

739.72 

54 

557.84 

018.75 

682.78 

750.52 

55 

505.13 

020.92 

692.03 

701.15 

56 

572.10 

034.83 

701.04 

771.58 

57 

578.88 

642.41 

709.74 

781.78 

58 

585.25 

649.64 

718.12 

791.75 

59 

591.27 

656.51 

726.18 

801.48 

60 

596.87 

662.96 

733.87 

810.98 

61  602.03  668.99  741.23  820.31 


173 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

9  Payment  Life 

Years 

Aye 

1 

2 

3 

4 

5 

21 

40.01 

77.56 

116.49 

156.88 

198.77 

22 

40.63 

78.81 

118.39 

159.45 

202.03 

23 

41.28 

80.10 

120.36 

162.11 

205.41 

24 

41.94 

81.43 

122.38 

164.85 

208.89 

25 

42.63 

82.81 

124.47 

167.67 

212.48 

26 

43.34 

84.22 

126.61 

170.58 

216.17 

27 

44.07 

85.68 

128.82 

173.56 

219.97 

28 

44.83 

"  87.18 

131.10   ■ 

176.64 

223.88 

29 

45.60 

88.73 

133.44 

179.82 

227.91 

30 

46.40 

90.32 

135.86 

183.08 

232.05 

31 

47.23 

91.96 

138.34 

186.43 

236.31 

32 

48.08 

93.64 

140.88 

189.88 

240.69 

33 

48.95 

95.37 

143.50 

193.42 

245.18 

34 

49.86 

97.16 

146.20 

197.06 

249.80 

35 

50.79 

99.00 

148.97 

200.79 

254.53 

36 

51.74 

100.87 

151.80 

204.61 

259.37 

37 

52.73 

102.80 

154.71 

208.53 

264.34 

38 

53.73 

104.77 

157.68 

212.53 

269.42 

39 

54.77 

106.80 

160.73 

216.64 

274.63 

40 

55.84 

108.87 

163.85 

220.84 

279.95 

41 

56.94 

111.01 

167.05 

225.14 

285.39 

42 

58.06 

113.19 

170.31 

229.53 

290.92 

43 

59.22 

115.42 

173.64 

233.99 

296.55 

44 

60.41 

117.69 

177.03 

238.52 

302.26 

45 

61.63 

120.01 

180.47 

243.11 

308.02 

46 

62.88 

122.36 

183.95 

247.74 

313.83 

47 

64.16 

124.75 

187.46 

252.39 

319.66 

48 

65.47 

127.16 

190.98 

257.05 

325.50 

49 

66.79 

129.56 

194.49 

261.69 

331.33 

50 

68.14 

131.98 

198.00 

266.34 

337.14 

51 

69.51 

134.41 

201.51 

270.96 

342.93 

52 

70.90 

■   136.84 

205.01 

275.56 

348.68 

53 

72.32 

139.27 

208.48 

280.11 

354.36 

54 

73.75 

141.70 

211.91 

284.59 

359.97 

55 

75.22 

144.12 

215.31 

289.02 

365.49 

56 

76.70 

146.51 

218.66 

293.36 

370.90 

57 

78.20 

148.91 

221.96 

297.62 

376.18 

58 

79.74 

151.28 

225.19 

301.75 

381.29 

59 

81.30 

153.62 

228.33 

305.74 

386.23 

60 

82.88 

155.92 

231.38 

309.59 

390.98 

61        84.50        158.19        234.33       313.29       395.51 


174 


AMER. 
EXP. 

MEAN   RESERVES 

3% 

9  Payment  Life 

Years 

Atfe 

6 

7 

8 

9 

21 

242.21 

287.27 

334.02 

.    382.52 

22 

246.20 

292.01 

339.55 

388.86 

23 

250.32 

296.91 

345.25 

395.41 

24 

254.58 

301.97 

351.13 

402.16 

25 

258.95 

307.17 

357.19 

409.10 

26 

2C3.47 

312.53 

363.44 

416.25 

27 

268.11 

318.04 

369.85 

423.62 

28 

272.88 

323.71 

376.46 

431.20 

29 

277.80 

329.56 

383.26 

439.00 

30 

282.85 

335.56 

390.25 

447.02 

31 

288.06 

341.74 

397.44 

455.25 

32 

293.40 

348.08 

404.82 

463.71 

33 

298.88 

354.58 

412.39 

472.40 

34 

304.50 

361.26 

420.17 

481.31 

35 

310.28 

368.11 

428.14 

490.46 

36 

316.18 

375.13 

436.31 

499.84 

37 

322.24 

382.32 

444.68 

509.45 

38 

328.44 

389.68 

453.25 

519.27 

39 

334.79 

397.21 

462.01 

529.30 

40 

341.26 

404.88 

470.92 

539.54 

41 

347.87 

412.71 

480.03 

549.96 

42 

354.60 

420.68 

489.28 

560.55 

43 

361.43 

428.76 

498.66 

571.30 

44 

368.35 

436.93 

508.15 

582.19 

45 

375.33 

445.18 

517.73 

593.21 

46 

382.36 

,    453.49 

527.40 

604.33 

47 

389.42 

461.85 

537.14 

615.55 

48 

396.50 

470.23 

546.93 

626.85 

49 

403.56 

478.61 

556.72 

638.21 

50 

410.62 

486.99 

566.54 

649.59 

51 

417.64 

495.34 

576.34 

661.01 

52 

424.62 

503.64 

586.11 

672.43 

53 

431.52 

511.88 

595.83 

683.82 

54 

438.34 

520.02 

605.46 

695.17 

55 

445.04 

528.05 

614.99 

706.45 

56 

451.61 

535.93 

624.39 

717.66 

57 

458.03 

543.65 

633.65 

728.75 

58 

464.26 

551.18 

642.72 

739.72 

59 

470.28 

558.48 

651.58 

750.52 

60 

476.08 

565.53 

660.20 

761.15 

61  481.60  572.29  668.54  771.58 


175 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

19  Year  Endowment 

Years 

Aye 

1 

2 

3 

4 

5 

21 

40.13 

77.81 

116.88 

157.40 

199.43 

22 

40.15 

77.82 

116.89 

157.41 

199.43 

23 

40.17 

77.84 

116.90 

157.42 

199.43 

24 

40.19 

77.86 

116.92 

157.43 

199.43 

25 

40.22 

77.88 

116.94 

157.45 

199.44 

26 

40.25 

77.91 

116.97 

157.47 

199.45 

27 

40.28 

77.94 

117.00 

157.50 

199.47 

28 

40.31 

77.98 

117.03 

157.53 

199.50 

29 

40.35 

78.02 

117.07 

157.57 

199.54 

30 

40.40 

78.07 

117.12 

157.62 

199.58 

31 

40.45 

78.13 

117.18 

157.67 

199.63 

32 

40.50 

78.19 

117.25 

157.73 

199.69 

33 

40.56 

78.26 

117.33 

157.81 

199.77 

34 

40.63 

78.35 

117.43 

157.91 

199.87 

35 

40.71 

78.45 

117.54 

158.03 

199.99 

36 

40.80 

78.57 

117.67 

158.17 

200.13 

37 

40.90 

78.70 

117.82 

158.34 

200.31 

38 

41.02 

78.85 

118.00 

158.55 

200.53 

39 

41-16 

79.03 

118.22 

158.80 

200.80 

40 

41.32 

79.24 

118.48 

159.09 

201.12 

41 

41.50 

79.48 

118.78 

159.44 

201.49 

42 

41.70 

79.76 

119.13 

159.84 

201.92 

43 

41.92 

80.08 

119.53 

160.29 

202.40 

44 

42.17 

80.44 

119.97 

160.79 

202.93 

45 

42.46 

80.84 

120.46 

161.34 

203.50 

46 

42.78 

81.28 

121.00 

161.93 

204.10 

47 

43.14 

81.76 

121.58 

162.56 

204.73 

48 

43.53 

82.29 

122.20 

163.22 

205.39 

49 

43.96 

82.86 

122.86 

163.91 

206.09 

50 

44.43 

83.47 

123.56 

164.65 

206.84 

51 

44.95 

84.14 

124.32 

165.46 

207.65 

52 

45.53 

84.87 

125.16 

166.36 

208.54 

53 

46.17 

85.68 

126.08 

167.35 

209.53 

54 

46.87 

86.57 

127.09 

168.43 

210.63 

55 

47.64 

87.55 

128.20 

169.62 

211.84 

56 

48.50 

88.63 

129.43 

170.94 

213.16 

57 

49.45 

89.82 

130.79 

172.39 

214.61 

58 

50.49 

91.13 

132.28 

173.97 

216.20 

59 

51.64 

92.56 

133.90 

175.69 

217.94 

60 

52.82 

94.11 

135.66 

177.57 

219.83 

61  54.29  95.80  137.58  179.61  221.88 


176 


AMER. 
EXP. 

MEAN  RESERVES 

19  Year  Endowment 

3% 

Years 

A^e 

6 

7 

8 

9 

10 

21 

243.02 

288.24 

335.15 

383.82 

434.32 

22 

243.01 

288.22 

335.12 

383.78 

434.27 

23 

243.00 

288.20 

335.10 

383.75 

434.23 

24 

243.00 

288.19 

335.08 

383.72 

434.19 

25 

243.00 

288.18 

335.06 

383.69 

434.15 

26 

243.01 

288.18 

335.04 

383.66 

434.11 

27 

243.02 

288.18 

335.03 

383.63 

434.07 

28 

243.04 

288.19 

335.02 

383.61 

434.03 

29 

243.06 

288.21 

335.02 

383.60 

434.00 

30 

243.09 

288.23 

335.03 

383.59 

433.97 

31 

243.14 

288.26 

335.05 

383.59 

433.95 

32 

243.20 

288.30 

335.08 

383.60 

433.93 

33 

243.27 

288.36 

335.12 

383.62 

433.93 

34 

243.36 

288.44 

335.18 

383.66 

433.95 

35 

243.47 

288.54 

335.27 

383.72 

433.99 

36 

243.61 

288.67 

335.39 

383.81 

434.05 

37 

243.79 

288.84 

335.55 

383.95 

434.14 

38 

244.02 

289.06 

335.75 

384.13 

434.27 

39 

244.30 

289.33 

336.00 

384.35 

434.44 

40 

244.63 

289.66 

336.30 

384.60 

434.63 

41 

245.01 

290.04 

336.64 

384.88 

434.83 

42 

245.45 

290.46 

337.01 

385.18 

435.03 

43 

245.93 

290.91 

337.40 

385.48 

435.23 

44 

246.45 

291.39 

337.80 

385.79 

435.43 

45 

247.00 

291.89 

338.21 

386.10 

435.61 

46 

247.57 

292.40 

338.63 

386.40 

435.77 

47 

248.17 

292.93 

339.06 

386.70 

435.92 

48 

248.80 

293.48 

339.50 

387.01 

436.06 

49 

249.46 

294.06 

339.96 

387.32 

436.19 

50 

250.17 

294.68 

340.45 

387.65 

436.32 

51 

250.94 

295.35 

340.99 

388.01 

436.46 

52 

251.78 

296.19 

341.59 

388.40 

436.61 

53 

252.71 

296.91 

342.26 

388.84 

436.79 

54 

253.74 

297.83 

343.00 

389.34 

437.01 

55 

254.88 

298.85 

343.83 

389.92 

437.29 

56 

256.14 

299.98 

344.75 

390.57 

437.61 

57 

257.53 

301.22 

345.77 

391.29 

437.95 

58 

259-05 

302.58 

346.88 

392.07 

438.31 

59 

260.71 

304.06 

348.08 

392.89 

438.68 

60 

262.51 

305.65 

349.36 

393.75 

439.03 

61  264.44  307.35  350.70  394.63  439.34 


177 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

19  Year  Endowment 

Years 

A^e 

11 

12 

13 

14 

13 

21 

486.73 

541.14 

597.61 

656.25 

717.15 

22 

486.67 

541.07 

597.54 

656.18 

717.08 

23 

486.61 

541.00 

597.47 

656.11 

717.01 

24 

486.56 

540.93 

597.40 

656.04 

716.93 

25 

486.51 

540.86 

597.33 

655.96 

716.84 

26 

486.46 

540.79 

597.25 

655.87 

716.75 

27 

486.41 

540.72 

597.17 

655.77 

716.65 

28 

486.36 

540.65 

597.08 

655.67 

716.55 

29 

486.31 

540.58 

596.99 

655.57 

716.44 

30 

486.26 

540.52 

596.90 

655.47 

716.33 

31 

486.21 

540.46 

596.81 

655.36 

716.21 

32 

486.17 

540.40 

596.73 

655.25 

716.09 

33 

486.14 

540.35 

596.65 

655.14 

715.96 

34 

486.13 

540.31 

596.58 

655.03 

715.83 

35 

486.14 

540.29 

596.51 

654.92 

715.69 

36 

486.16 

540.29 

596.45 

654.80 

715.54 

37 

486.21 

540.30 

596.39 

654.67 

715.37 

38 

486.28 

540.30 

596.32 

654.53 

715.17 

39 

486.40 

540.30 

596.25 

654.39 

714.95 

40 

486.51 

540.30 

596.16 

654.22 

714.71 

41 

486.61 

540.30 

■  596.05 

654.02 

714.43 

42 

486.70 

540.27 

595.91 

653.77 

714.10 

43 

486.78 

540.22 

595.73 

653.47 

713.71 

44 

486.84 

540.14 

595.51 

653.12 

713.26 

45 

486.87 

540.03 

595.24 

652.72 

712.75 

46 

486.87 

539.87 

594.91 

652.26 

712.18 

47 

486.85 

539.67 

594.54 

651.73 

711.53 

48 

486.80 

539.43 

594.12 

651.12 

710.80 

49 

486.73 

539.14 

593.63 

650.43 

709.97 

50 

486.63 

538.80 

593.07 

649.66 

709.05 

51 

486.53 

538.44 

592.46 

648.82 

708.04 

52 

486.43 

538.05 

591.80 

647.90 

706.93 

53 

486.33 

537.64 

591.08 

646.90 

705.71 

54 

486.23 

537.21 

590.30 

645.81 

704.37 

55 

486.14 

536.75 

589.43 

644.63 

702.91 

56 

486.07 

536.26 

588.48 

643.33 

701.31 

57 

485.99 

535.71 

587.45 

641.86 

699.49 

58 

485.88 

535.08 

586.28 

640.19 

697.45 

59 

485.72 

534.34 

584.95 

638.32 

695.21 

60 

485.48 

533.45 

583.48 

636.27 

692.77 

61  485.14  -    532.44  581.83  634.08  690.17 


178 


AMER. 

MEAN   RESERVES 

JiTO 

EXP. 

19  Year  Endowment 

^  * 

Years 

A^e 

16 

17 

18 

19 

21 

780.40 

846.13 

914.43 

985.44 

22 

780.34 

846.07 

914.40 

985.44 

23 

780.27 

846.01 

914.37 

985.44 

24 

780.20 

845.95 

914.34 

985.44 

25 

780.12 

845.88 

914.30 

985.44 

26 

780.03 

845.81 

914.26 

985.44 

27 

779.93 

845.73 

914.21 

985.44 

28 

779.83 

845.65 

914J6 

985.44 

29 

779.73 

845.56 

914.10 

985.44 

30 

779.62 

845.46 

914.04 

985.44 

31 

779.50 

845.35 

913.97 

985.44 

32 

779.37 

845.23 

913.89 

985.44 

33 

779.23 

845.10 

913.80 

985.44 

34 

779.09 

844.96 

913.70 

985.44 

35 

778.93 

844.81 

913.59 

985.44 

36 

778.75 

844.65 

913.47 

• 

985.44 

37 

778.55 

844.47 

913.33 

985.44 

38 

778.32 

844.25 

913.18 

985.44 

39 

778.07 

844.00 

913.01 

985.44 

40 

777.79 

843.73 

912.82 

985.44 

41 

777.47 

843.42 

912.62 

985.44 

42 

777.10 

843.07 

912.39 

985.44 

43 

776.67 

842.67 

912.12 

985.44 

44 

776.18 

842.22 

911.80 

985.44 

45 

775.63 

841.72 

911.45 

985.44 

46 

775.00 

841.15 

911.06 

985.44 

47 

774.30 

840.51 

910.63 

985.44 

48 

773.51 

839.78 

910.16 

985.44 

49 

772.63 

838.97 

909.63 

985.44 

50  , 

771.65 

838.06 

909.03 

985.44 

51 

770.57 

837.07 

908.36 

985.44, 

52 

769.38 

835.98 

907.62 

985.44 

53 

768.08 

834.77 

906.80 

985.44 

54 

766.64 

833.43 

905.89 

985.44 

55 

765.04 

831.94 

904.88 

985.44 

56 

763.27 

830.29 

903.76 

985.44. 

57 

761.29 

828.45 

902.52 

985.44 

58 

759.07 

826.42 

901.15 

985.44 

59 

756.69 

824.22 

899.66 

985.44 

60 

754.10 

821.85 

898.04 

985.44 

61  751.36  819.30  896.26     .  985.44: 


179 


AMER. 
.EXP. 

MEAN 

RESERVES 

3% 

14  Year  Endowment 

Years 

Aie 

1 

2 

3 

4 

3 

21 

58.28 

114.81 

173.44 

234.28 

297.41 

22 

58.29 

114.80 

173.43 

234.26 

297.37 

23 

58.30 

114.80 

173.42 

234.24 

297.34 

24 

58.31 

114.81 

173.41 

234.22 

297.31 

25 

58.33 

114.81 

173.40 

234.20 

297.28 

26 

58.35 

114.82 

173.39 

234.18 

297.24 

27 

58.37 

114.82 

173.38 

234.16 

297.21 

28 

58.39 

114.83 

173.38 

234.14 

297.17 

29 

58.41 

114.84 

173.38 

234.12 

297.14 

30 

58.44 

114.85 

173.38 

234.10 

297.10 

31 

58.47 

114.87 

173.38 

234.08 

297.07 

32 

58.50 

114.89 

173.38 

234.06 

297.03 

33 

58.54 

114.91 

173.39 

234.05 

297.00 

34 

58.58 

114.94 

173.40 

234.04 

296.96 

35 

58.63 

114.97 

173.41 

234.03 

296.93 

36 

58.68 

115.00 

173.42 

234.02 

296.90 

37 

58.74 

115.04 

173.44 

234.02 

296.87 

38 

58.80 

115.09 

173.47 

234.02 

296.84 

39 

58.87 

115.15 

173.51 

234.04 

296.83 

iO 

58.96 

115.22 

173.57 

234.08 

296.84 

41 

59.06 

115.31 

173.65 

234.14 

296.87 

42 

59.18 

115.43 

173.75 

234.22 

296.91 

43 

59.31 

115.57 

173.87 

234.32 

296.97 

44 

59.46 

115.73 

174.01 

234.43 

297.03 

45 

59.63 

115.91 

174.17 

234.55 

297.08 

46 

59.82 

116.11 

174.35 

234.67 

297.11 

47 

60.04 

116.32 

174.54 

234.78 

297.12 

48    :. 

60.28 

116.54 

174.71 

234.87 

297.10 

49 

60.54 

116.77 

174.88 

234.94 

297.05 

50 

60.83 

117.02 

175.05 

235.00 

296.98 

51 

61.15 

117.29 

175.23 

235.06 

296.89 

52 

61.50 

117.59 

175.43 

235.12 

296.78 

53 

61.89 

117.92 

175.64 

235.18 

296.65 

54 

62.33 

118.28 

175.87 

235.24 

296.52 

55 

62.82 

118.67 

176.13 

235.32 

296.39 

56 

63.36 

119.11 

176.43 

235.42 

296.25 

57 

63.95 

119.61 

176.77 

235.54 

296.10 

58 

64.61 

120.17 

177.16 

235.69 

295.95 

59 

65.35 

120.80 

177.60 

235.87 

295.81 

60 

66.18 

121.50 

178.09 

236.09 

295.69 

61  ....     67.10       122.28       178.65       236,35  -     295.58 


180 


AMER. 
EXP. 

MEAN 

RESERVES 

3"^ 

14  Year  Endowment 

Years 

Aye 

6 

7 

8 

9 

10 

21 

362.92 

430.90 

501.46 

574.72 

650.76 

22 

362.87 

430.85 

501.40 

574.66 

650.70 

23 

362.83 

430.80 

501.34 

574.60 

650.63 

24 

362.79 

430.75 

501.28 

574.54 

650.56 

25 

362.75 

430.69 

501.22 

574.47 

650.49 

26 

362.70 

430.63 

501.15 

574.39 

650.42 

27 

362.65 

430.57 

501.08 

574.31 

650.34 

28 

362.60 

430.51 

501.01 

574.23 

650.26 

29 

362.55 

430.45 

500.94 

574.14 

650.17 

30 

362.50 

430.38 

500.86 

574.04 

650.07 

31 

362.45 

430.31 

500.77 

573.94 

649.96 

32 

362.39 

430.23 

500.67 

573.83 

649.84 

33 

362.33 

430.15 

500.57 

573.71 

649.72 

34 

362.26 

430.06 

500.46 

573.59 

649.59 

35 

362.19 

429.97 

500.35 

573.46 

649.45 

36 

362.13 

429.88 

500.23 

573.32 

649.30 

37 

362.07 

429.79 

500.11 

573.18 

649.14 

38 

362.02 

429.71 

500.00 

573.03 

648.97 

39 

361.98 

429.64 

499.89 

572.88 

648.79 

40 

361.96 

429.58 

499.78 

572.72 

648.59 

41 

361.95 

429.52 

499.66 

572.55 

648.37 

42 

361.95 

429.45 

499.53 

572.35 

648.12 

43 

361.95 

429.37 

499.37 

572.12 

647.83 

44 

361.93 

429.27 

499.18 

571.85" 

647.49 

45 

361.89 

429.13 

498.94 

571.53 

647.09 

46 

361.82 

428.95 

498.65 

571.15 

646.63 

47 

361.72 

428.73 

498.31 

570.69 

646.11 

48 

361.58 

428.46 

497.90 

570.15 

645.51 

49 

361.40 

428.13 

497.42 

569.54 

644.82 

50 

361.18 

427.74 

496.87 

568.86 

644.04 

51 

360.92 

427.29 

496.25 

568.10 

643.16 

52 

360.62 

426.79 

495.56 

567.25 

642.18 

53 

360.28 

426.24 

494.80 

566.30 

641.10 

54 

359.91 

425.64 

493.96 

565.25 

639.91 

55 

359.52 

424.98 

493.04 

564.10 

638.61 

56 

359.10 

424.27 

492.03 

562.84 

637.18 

57 

358.65 

423.51 

490.94 

561.47 

635.62 

58 

358.18 

422.69 

489.77 

559.99 

633.91 

59 

357.68 

421.78 

488.50 

558.37 

632.02 

60 

357.16 

420.84 

487.12 

556.59 

629.94 

61  356.62  419.81  485.61  554.63  627.64 


181 


AMER. 
EXP. 

MEAN   RESERVES 

3% 

14  Year  Endowment 

Years 

Mb 

11 

12 

13 

14 

21 

729.73 

811.74 

896.93 

985.44 

22 

729.67 

811.69 

896.90 

985.44 

23 

729.61 

811.64 

896.87 

985.44 

24 

729.55 

811-59 

896.84 

985.44 

25 

729.48 

811.54 

896.81 

985.44 

26 

729.41 

811.48 

896.77 

985.44 

27 

729.34 

811.42 

896.73 

985.44 

28 

729.26 

811.35 

896.69 

985.44 

29 

729.17 

811.28 

896.64 

985.44 

30 

729.07 

811.20 

896.59 

985.44 

31 

728.96 

811.11 

896.53 

985.44 

32 

728.85 

811.01 

896.47 

985.44 

33 

728.73 

810.91 

896.40 

985.44 

34 

728.60 

810.80 

896.33 

985.44 

35 

728.46 

810.68 

896.25 

985.44 

36 

728.31 

810.54 

896.16 

985.44 

37 

728.15 

810.39 

896.06 

985.44 

38 

727.97 

810.23 

895.95 

985.44 

39 

727.77 

810.05 

895.83 

985.44 

40 

727.55 

809.85 

895.70 

985.44 

41 

727.31 

809.62 

895.55 

985.44 

42 

727.04 

809.36 

895.38 

985.44 

43 

726.73 

809.06 

895.18 

985.44 

44 

726.37 

808.71 

894.95 

985.44 

45 

725.95 

808.32 

894.69 

985.44 

40 

725.47 

807.88 

894.40 

985.44 

47 

724.92 

807.39 

894.08 

985.44 

48 

724.29 

806.83 

893.71 

985.44 

49 

723.57 

806.20 

893.29 

985.44 

50 

722.76 

805.49 

892.82 

985.44 

51 

721.86 

804.69 

892.30 

985.44 

52 

720.86 

803.80 

891.71 

985.44 

53 

719.74 

802.81 

891.05 

985.44 

54 

718.51 

801.72 

890.32 

985.44 

55 

717.16 

800.51 

889.52 

985.44 

56 

715.68 

799.17 

888.64 

985.44 

57 

714.06 

797.70 

887.67 

985.44 

58 

712.27 

796.08 

886.59 

985.44 

59 

710.29 

794.28 

885.38 

985.44 

60 

708.10 

792.28 

884.04 

985.44 

61  705.67  790.06  882.57  985.44 


182 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

9  Year  Endowment 

Years 

Ai{« 

1 

2 

3 

4 

& 

21 

97.33 

194.40 

:      295.14 

399.69 

508.22 

22 

97.33 

194.39 

295.12 

399.66 

508.18 

23 

97.34 

194.38 

295.10 

399.63 

508.14 

24 

97.35 

194.37 

295.08 

399.60 

508.10 

25 

97.36 

194.30 

295.05 

399.56 

508.05 

26 

97.37 

194.35 

295.02 

399.52 

508.00 

27 

97.38 

194.34 

294.99 

399.48 

507.95 

28 

97.39 

194.33 

294.96 

399.43 

507.90 

29 

97.40 

194.32 

294.93 

399.38 

507.84 

30 

97.41 

194.31 

294.90 

399.33 

507.78 

31 

97.42 

194.30 

294.86 

399.28 

507.72 

32 

97.43 

194.29 

294.82 

399.22 

507.65 

33 

97.45 

194.28 

294.78 

399.16 

507.57 

34 

97.47 

194.27 

294.74 

399.09 

507.49 

35 

97.49 

194.26 

294.70 

399.02 

507.40 

36 

97.52 

194.25 

294.65 

398.94 

507.30 

37 

97.55 

194.23 

294.60 

398.85 

507.19 

38 

97.58 

194.21 

294.55 

398.75 

507.07 

39 

97.61 

194.19 

294.49 

398.65 

506.95 

40 

97.65 

194.18 

294.43 

398.55 

506.82 

41 

97.69 

194.17 

294.37 

398.45 

506.68 

42 

97.74 

194.17 

294.31 

398.34 

506.53 

43 

97.80 

194.17 

294.25 

398.23 

506.36 

44 

97.87 

194.18 

294.19 

398.10 

506.17 

45 

97.95 

194.19 

294.12 

397.95 

505.95 

46 

98.04 

194.21 

294.04 

397.78 

505.70 

47 

98.14 

194.22 

293.94 

397.58 

505.40 

48 

98.26 

194.22 

293.82 

397.34 

505.05 

49 

98.39 

194.21 

293.67 

397.05 

504.65 

50 

98.54 

194.19 

293.49 

396.71 

504.20 

51 

98.70 

194.16 

293.28 

396.33 

503.69 

52 

98.88 

194.12 

293.04 

395.90 

503.11 

53 

99.08 

194.08 

292.77 

395.41 

502.46 

54 

99.30 

194.03 

292.46 

394.86 

501.74 

55 

99.54 

193.97 

2^2.11 

394.25 

500.94 

56 

99.80 

193.91 

291.73 

393.58 

500.05^ 

57 

100.09 

193.85 

291.32 

392.85 

499.07 

58 

100.42 

193.79 

290.87 

392.05 

497.98 

59 

100.79 

193.73 

290.37 

391.17 

496.78 

60 

101.20 

193.66 

289.82 

390,20 

495.47 

61        101.65        193.59        289.22       389.13       494.03 


18a 


AMER. 
EXP. 

MEAN  RESERVES 

3% 

9  Year  Endowment 

Years 

A^e 

6 

7 

8 

9 

21 

620.88 

737.85 

859.30 

985.44 

22 

62(».84 

737.81 

859.28 

985.44 

23 

620.80 

737.77 

859.26 

985.44 

24 

620.76 

737.73 

859.23 

985.44 

25 

620.71 

737.69 

859.20 

985.44 

26 

620.66 

737.64 

859.17 

985.44 

27 

620.61 

737.59 

859.14 

985.44 

28      ■ 

620.56 

737.54 

859.11 

985.44 

29 

620.50 

737.49 

859.08 

985.44 

30 

620.43 

737.44 

859.05 

985.44 

31 

620.36 

737.38 

859.01 

985.44 

32 

620.28 

737.32 

858.96 

985.44 

33 

620.19 

737.25 

858.91 

985.44 

34 

620.10 

737.17 

858.85 

985.44 

35 

620.00 

737.08 

858.78 

985.44 

36 

619.89 

736.98 

858.71 

985.44 

37 

619.77 

736.87 

858.64 

985.44 

38   ^  '• 

619.64 

736.75 

858.56 

985.44 

39   ■-^' 

619.50 

736.62 

858.47 

985.44 

40      " 

619.35 

736.48 

858.37 

985.44 

41 

619.19 

736.33 

858.26 

985.44 

42 

619.02 

736.16 

858.14 

985.44 

43 

618.83 

735.97 

858.01      ' 

985.44 

44 

618.61 

735.75 

857.86 

985.44 

45 

618.35 

735.49 

857.69 

985.44 

46 

618.05 

735.20 

857.49 

985.44 

47 

617.70 

734.87 

857.26 

985.44 

48- 

617.30 

734.49 

857.00 

985.44 

49 

616.84 

734.05 

856.70 

985.44 

50  ;: 

616.32 

733.55 

856.36 

985.44 

51 

615.74 

732.99 

855.98 

985.44 

52 

615.09 

732.37 

855.56 

985.44 

53 

614.36 

731.68 

855.09        ' 

985.44 

54 

613.55 

730.91 

854.57 

985.44 

55 

612.65 

730.05 

853.99 

985.44 

56 

611.65 

729.10 

853.34 

985.44 

57-"'-' 

610.54 

728.05 

852.62 

985.44 

58    '.  ■• 

609.31 

726.89 

851.82 

985.44 

59    , 

607.95 

725.60 

850.94 

985.44 

60 

606.45 

724.18 

849.97 

985.44 

61  604.81  722.61  848.88  985.44 


184 


AMER. 
EXP. 

MEAN  RESERVES 

20  Year  Mortuary  Additions 

3% 

Years 

A^e 

1 

2 

3 

4 

5 

20 

75.55 

73.04 

70.42 

67.71 

64.89 

21 

76.56 

74.04 

71.42 

68.70 

65.87 

22 

77.65 

75.13 

72.50 

69.78 

66.94 

23 

78.85 

76.32 

73.69 

70.96 

68.12 

24 

80.16 

77.63 

75.00 

72.26 

69.40 

25 

81.61 

79.08 

76.44 

73.70 

70.83 

26 

83.20 

80.67 

78.03 

75.28 

72.40 

27 

84.97 

82.45 

79.80 

77.05 

74.16 

28 

86.95 

84.42 

81.78 

79.02 

76.12 

29 

89.15 

86.63 

83.99 

81.23 

78.32 

30 

91.64 

89.13 

86.49 

83.72 

80.80 

31 

94.44 

91.94 

89.31 

86.54 

83.62 

32 

97.61 

95.12 

92.49 

89.73 

86.80 

33 

101.16 

98.69 

96.08 

93.32 

90.39 

34 

105.15 

102.71 

100.11 

97.36 

94.43 

35 

109.64 

107.22 

104.64 

101.90 

98.97 

36 

114.65 

112.26 

109.70 

106.97 

104.04 

37 

120.24 

117.89 

115.30 

112.65 

109.73 

38 

126.47 

124.16 

121.67 

118.98 

116.07 

39 

133.39 

131.12 

128.67 

126.01 

123.12 

40 

141.04 

138.84 

136.44 

133.82 

130.94 

41 

149.52 

147.38 

145.03 

142.45 

139.59 

42 

158.86 

156.80 

154.51 

151.97 

149.13 

43 

169.14 

167.10 

164.94 

162.44 

159.61 

44 

180.41 

178.52 

176.36 

173.90 

171.09 

45 

192.72 

190.93 

188.85 

186.43 

183.62 

46 

206.16 

204.47 

202.47 

200.09 

197.27 

47 

220.78 

2]9.20 

217.27 

214.93 

212.10 

48 

236.63 

235.16 

233.30 

23L00 

228.19 

49 

253.77 

252.41 

250.64 

248.40 

245.59 

50 

272.22 

271.00 

269.32 

267.14 

264.35 

51 

292.02 

290.94 

289.38 

287.26 

284.50 

52 

313.16 

312.24 

310.80 

308.77 

306.04 

53 

335.58 

334.82 

333.52 

331.58 

328.91 

54 

359.15 

358.58 

357.43 

355.60 

353.01 

55 

383.78 

383.40 

382.41 

380.72 

378.21 

56 

409.34 

409.18 

408.38 

406.83 

404.42 

57 

435.75 

435.82 

435.22 

433.84 

431.55 

58 

462.95 

463.27 

462.89 

461.69 

459.54 

59 

490.88 

491.47 

491.33 

490.35 

488.39 

60 

519.46 

520.34 

520.48 

519.76 

518.02 

185 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

20  Year  Mortuary  Additions 

V 

Years 

A^e 

6 

7 

8 

9 

10 

20 

61.97 

58.93 

55.77 

52.47 

49.05 

21 

62.94 

59.88 

56.70 

53.38 

49.92 

22 

63.99 

60.92 

57.72 

54.37 

50.88 

23 

65.15 

62.06 

58.84 

55.47 

51.95 

24 

66.43 

63.31 

60.07 

56.67 

53.11 

25 

67.84 

64.71 

61.44 

58.01 

54.41 

26 

69.40 

66.25 

62.95 

59.48 

55.85 

27 

71.14 

67.97 

64.64 

61.14 

57.46 

28 

73.08 

69.89 

66.53 

63.00 

59.27 

29 

75.26 

72.05 

68.67 

65.09 

61.30 

30 

77.74 

74.50 

71.09 

67.46 

63.62 

31 

80.54 

77.28 

73.83 

70.16 

66.25 

32 

83.71 

80.43 

76.93 

73.21 

69.24 

33 

87.29 

83.97 

80.45 

76.67 

72.64 

34 

91.31 

87.97 

84.41 

80.58 

76.48 

35 

95.83 

92.47 

88.87 

84.99 

80.81 

36 

100.90 

97.53 

93.89 

89.95 

85.67 

37 

106.59 

103.19 

99.50 

95.49 

91.12 

38 

112.93 

109.50 

105.77 

101.68 

97.18 

39 

119.97 

116.52 

112.73 

108.55 

103.91 

40 

127.79 

124.30 

120.44 

116.15 

111.35 

41 

136.42 

132.90 

128.96 

124.53 

119.54 

42 

145.95 

142.37 

138.33 

133.74 

128.53 

43 

156.41 

152.76 

148.60 

143.84 

138.40 

44 

167.85 

164.12 

159.83 

154.88 

149.20 

45 

180.34 

176.52 

172.09 

166.94 

160.99 

46 

193.95 

190.04 

185.46 

180.10 

173.86 

47 

208.74 

204.73 

200.00 

194.42 

187.88 

48 

224.78 

220.68 

215.79 

209.98 

203.12 

49 

242.14 

237.95 

232.90 

226.85 

219.68 

50 

260.87 

256.58 

251.37 

245.09 

237.59 

51 

280.99 

276.62 

271.26 

264.75 

256.91 

52 

302.52 

298.08 

292.58 

285.83 

277.65 

53 

325.40 

320.90 

315.25 

308.28 

299.76 

54 

349.51 

344.96 

339.19 

331.99 

323.15 

55 

374.74 

370.16 

364.27 

356.87 

347.71 

56 

401.00 

396.39 

390.42 

382.84 

373.36 

57 

428.19 

423.60 

417.56 

409.80 

400.04 

58 

456.29 

451.74 

445.66 

437.77 

427.74 

59 

485.28 

480.80 

474.72 

466.74 

456.51 

60 

515.08 

510.73 

504.72 

496.71 

486.34 

186 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

20  Year  Mortuary  Additions 

Years 

Atfe; 

11 

12 

13 

14 

15 

20 

45.47 

41.73 

37.84 

33.75 

29.48 

21 

46.31 

42.54 

38.60 

34.45 

30.12 

22    . 

47.24  . 

43.42 

39.42 

35.22 

30.81 

23  -: 

48.26 

44.39 

40.34 

36.07 

31.58 

24     ; 

49.38 

45.46 

41.35 

37.01 

32.43 

25  ^^ 

50.63 

46.66 

42.48 

38.05 

33.37 

26  /^ 

52.02 

47.98 

43.73 

39.20 

34.42 

27 

53.58 

49.47 

45.13 

40.51 

35.61 

28 

55.32 

51.14 

46.70 

41.98 

36.95 

29 

57.29 

53.02 

48.49 

43.65 

38.48 

30 

59.53 

55.18 

50.54 

45.57  ' 

40.25 

31 

62.09 

57.64 

52.80 

47.78 

42.28 

32 

65.00 

60.46 

55.57 

50.31 

44.61 

33 

68.31 

63.65 

58.63 

53.18 

47.25 

34 

72.05 

67.27 

62.08 

56.42 

50.23 

35 

76.28 

71.35 

65.97 

60.07 

53.57 

36 

81.02 

75.92 

70.32 

64.14 

57.29 

37 

86.32 

81.03 

75.18 

68.67 

61.42 

38     . 

92.22 

86.71 

80.56 

73.69 

65.99 

39 

98.75 

92.98 

86.50 

79.22 

71.04 

40 

105.96 

99.89 

93.05 

85.33 

76.61 

41 

113.89^ 

107.50 

100.27 

92.07 

82.75 

42 

122.61 

115.88 

108.21 

99.48 

89.52 

43 

132.18 

125.07 

116.93 

107.62 

96.96 

44 

142.65 

135.13 

126.48 

116.54 

105.12 

45 

154.09 

146.13 

136.93 

126.32 

114.08 

46 

166.60 

158.16 

148:38 

*  137.05 

123.92 

47 

180.22 

171.29 

160.89 

148.78 

134.69 

48 

195.06 

185.61 

174.53 

161.59 

146.48 

49 

211.19 

201.18 

189.40 

175.58 

159.38 

50 

228.65 

218.06 

205.55 

190.80 

173.44 

51 

247.52 

236.33 

223.05 

207.33 

188.74 

52 

267.80 

256.00 

241.93 

225.19 

205.29 

53 

289.44 

277.02 

262.13 

244.32 

223.06 

54  ■• 

312.37 

299.31 

283.57 

264.65 

241.95 

55 

336.46 

322.76 

306.15 

286.08 

261.87 

56 

361.65 

347.31 

329.81 

308.56 

282.79 

57 

387.89 

372.90 

354.52 

332.07 

304.71 

58  -. 

415.17 

399.57 

380.33 

356.70 

327.81 

59      V 

443.58 

427.42 

407.37 

382.67 

352.37 

ea  ^ 

473.13 

456.51 

435.81 

410.20 

378.67 

187 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

20  Year  Mortuary  Additions 

Years 

Ai|e 

16 

17 

18 

19 

20 

20 

25.00 

20.30 

15.36 

10.15 

4.65 

21 

25.56 

20.77 

15.72 

10.39 

4.75 

22 

26.17 

21.28 

16.12 

10.65 

4.86 

23 

26.85 

21.85 

16.55 

10.94 

4.98 

24 

27.59 

22.46 

17.03 

11,25 

5.11 

25 

28.42 

23.16 

17.57 

11.62    . 

5.26 

26 

29.34 

23.94 

18.18 

12.02 

5.42 

27 

30.39 

24.83 

18.88 

12.49 

5.62 

28 

31.58 

25.84 

19.67 

13.02 

5.83 

29 

32.95 

27.00 

20.58 

13.63 

6.07 

30 

34.52 

28.34 

21.64 

14.34 

6.36 

31 

36.34 

29.89 

22.86 

15.16 

6.69 

3S5 

38.41 

31.66 

24.25 

16.08 

7.06 

33 

40.77 

33.65 

25.80 

17.11 

7.47 

34 

43.42 

35.89 

27.54 

18.26 

7.93 

35 

46.37 

38.38 

29.48 

19.55 

8.45 

36 

49.66 

41.14 

31.63 

20.98 

9.02 

37 

53.30 

44.22 

34.03 

22.57 

9.65 

38 

57.35 

47.63 

36.68 

24.32 

10.36 

39 

61.81 

51.39 

39.60 

26.26 

11.13 

40 

66.73 

55.54 

42.84 

28.41 

12.00 

41 

72.17 

60.12 

46.42 

30.79 

12.96 

42 

78.15 

65.19 

50.38 

33.43 

14.02 

43 

84.75 

70.78 

54.75 

36.35 

15.19 

44 

92.00 

76.92 

59.55 

39.55 

16.48 

45 

99.96 

83.67 

64.84 

43.08 

17.90 

46 

108.72 

91.10 

70.69 

47.01 

19.48 

47  • 

118.32 

99.28 

77.13 

51.33 

21.22 

48 

128.85 

108.27 

84.23 

56.10 

23.13 

49 

140.40 

118.15 

92.04 

61.37 

25.24 

50 

153.01 

128.95 

100.61 

67.14 

27.55 

51 

166.75 

140.76  ■' 

109.98 

73.48 

30.09 

52 

181.66 

153.58 

120.18 

80.38 

32.85 

53 

197.68 

167.37 

131.15 

87.78 

35.79 

54 

214.71 

182.04 

142.80 

95.64 

38.92 

55 

232.69 

197.51 

155.11 

103.99 

42.24 

56 

251.58 

213.82 

168.17 

112.90 

45.81 

57 

271.47 

231.11 

182.13 

122.53 

49.66 

58 

292.58 

249.66 

197.29 

133.11 

53.91 

59 

315.27 

269.83 

214.00 

144.92 

58.65 

60 

339.86 

291.97 

232.55 

158.15 

63.95 

188 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

15  Year  Mortuary  Additions 

Years 

Aie 

1 

2 

3 

4 

5 

20 

56.50 

53.62 

50.63 

47.54 

44.33 

21 

57.08 

54.19 

51.18 

48.07 

44.84 

22 

57.71 

54.81 

51.79 

48.66 

45.42 

23 

58.40 

55.48 

52.45 

49.31 

46.03 

24 

59.15 

56.22 

53.18 

50.01 

46.72 

25 

59.98 

57.03 

53.97 

50.78 

47.46 

26 

60.88 

57.92 

54.84 

51.64 

48.29 

27 

61.87 

58.89 

55.79 

52.56 

49.19 

28 

62.95 

59.96 

56.84 

53.59 

50.19 

29 

64.13 

61.13 

57.99 

54.71 

51.28 

30 

65.45 

62.43 

59.27 

55.96 

52.49 

31 

66.91 

63.87 

60.68 

57.34 

53.84 

32 

68.53 

65.47 

62.26 

58.90 

55.35 

33 

70.34 

67.27 

64.03 

60.63 

57.05 

34 

72.38 

69.29 

66.03 

62.59 

58.96 

35 

74.69 

71.58 

68.29 

64.82 

61.13 

36 

77.31 

74.18 

70.86 

67.34 

63.60 

37 

80.27 

77.12 

73.77 

70.21 

66.41 

38 

83.61 

80.44 

77.06 

73.46 

69.60 

39 

87.37 

84.18 

80.77 

77.12 

73.21 

40 

91.59 

88.39 

84.95 

81.26 

77.27 

41 

96.33 

93.12 

89.65 

85.90 

81.83 

42 

101.63 

98.40 

94.89 

91.09 

86.93 

43 

107.54 

104.28 

100.74 

96.86 

92.60 

44 

114.08 

110.81 

107.22 

103.26 

98.88 

45 

121.34 

118.05 

114.40 

110.35 

105.82 

46 

129.35 

126.03 

122.32 

118.16 

113.46 

47 

138.20 

134.84 

131.04 

126.74 

121.86 

48 

147.91 

144.50 

140.61 

136.17 

131.08 

49 

158.55 

155.08 

151.08 

146.48 

141.18 

50 

170.18 

166.65 

162.54 

157.77 

152.24 

51 

182.90 

179.30 

175.07 

170.12 

164.34 

52 

196.75 

193.09 

188.73 

183.59 

177.54 

53 

211.82 

208.08 

203.59 

198.25 

191.92 

54 

228.17 

224.36 

219.74 

214.19 

207.57 

55 

245.85 

241.97 

237.21 

231.45 

224.53 

56 

264.91 

260.96 

256.08 

250.11 

242.88 

57 

285.36 

281.36 

276.34 

270.16 

262.62 

58 

307.14 

303.09 

297.95 

291.56 

283.70 

59 

330.16 

326.06 

320.81 

314.21 

306.05 

60 

354.32 

350.20 

344.84 

338.05 

329.58 

189 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

13  Year  Mortuary  Additions 

— /  - .- - .- ..... .      

Years 

Ai{e 

6 

7 

8 

9 

10 

20 

41.00 

37.54 

33.95 

30.22 

26.34 

21 

41.49 

38.01 

34.39 

30.62 

26.70 

22 

42.04 

38.53 

34.88 

31.07 

27.10 

23 

42.63 

39.09 

35.40 

31.56 

27.54 

24 

43.29 

39.71 

35.99 

32.10 

28.04 

25 

44.01 

40.40 

36.64 

32.70 

28.57 

26 

44.80 

41.16 

37.35 

33.30 

29.18 

27 

45.67 

41.99 

38.12 

34.08 

29.83 

28 

46.63 

42.90 

38.99 

34.88 

30.56 

29 

47.68 

43.90 

39.94 

35.76 

31.36 

30 

48.85 

45.03 

41.00 

36,75 

32.25 

31 

50.15 

46.27 

42.17 

37.84 

33.24 

32 

51.62 

47.67 

43.49 

39.06 

34.36 

33 

53.25 

49.24 

44.98 

40.45 

35.63 

34 

55.10 

51.01 

46.66 

42.03 

37.08 

35 

57.21 

53.04 

48.60 

43.85 

38.76 

36 

59.61 

55.36 

50.82 

45.94 

40.68 

37 

62.36 

58.01 

53.35 

48;32 

42.89 

38 

65.47 

61.03 

56.23 

51.04 

45.39. 

39 

68.99 

64.43 

59.49 

54.10 

48.21 

40 

72.96 

68.27 

63.15 

57.54 

51.36 

41 

77.41 

72.57 

67.25 

61.38 

54.87 

42 

82.37 

77.36 

71.82 

65.65 

58.77 

43 

87.90 

82,68 

76.86 

70.36 

63.07 

44- 

94,01 

88.55 

82.43 

75.56 

67.82 

45 

100.74 

95.02 

88.58 

81.30 

73.07 

46 

108.15 

102.15 

95.34 

87.62 

78.85 

47 

116.31 

109.99 

102.80 

94.59 

85.23 

48 

125.27 

118.61 

110.99 

102.25 

92.24 

49 

135.08 

128.06 

119.97 

110.66 

99.95 

60 

145.83 

138.40 

129.81 

119.89 

108.42 

51 

157.59 

149.74 

140.61 

130.02 

117.74 

52 

170.44 

162.13 

152.44 

141.12 

127.94 

53 

184.45 

175.66 

165.35 

153.27 

139.13 

54 

199.71 

190.41 

179.45 

166.54 

151.38 

55 

216.27 

206.43 

194.77 

181.00 

164.76 

56 

234.19 

223.79 

211.42 

196.74 

179.33 

57 

253.49 

242.53 

229.41 

213.76 

195.12 

58 

274.14 

262.59 

248.69 

232.03 

212.09 

59 

296.05 

283.89 

269.18 

251.46 

230.15 

60 

319.13 

306.35 

290.80 

271.97 

249.22 

190 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

13  Year  Mortuary  Additions 

Years 

Atfe 

11 

12 

13 

14 

15 

20 

22.29 

18.08 

13.68 

9.09 

4.29 

21 

22.61 

18.34 

13.88 

9.22 

4.34 

22 

22.96 

18.64 

14.11 

9.38 

4.41 

23 

23.35 

18.96 

14.36 

9.54 

4.48 

24 

23.78 

19.32 

14.65 

9.74 

4.57 

25 

24.25 

19.72 

14.96 

9.95 

4.65l 

26 

24.79 

20.17 

15.31 

10.18 

4.75 

27 

25.37 

20.66 

15.69 

10.43 

4.86 

28 

26.01 

21.19 

16.10 

10.70 

4.98 

29 

26.70 

21.78 

16.55 

11.01 

5.11 

30 

27.49 

22.44 

17.07 

11,36 

5.26 

31 

28.36 

23.18 

17.65 

11.75 

5.42 

32 

29.36 

24.03 

18.32 

12.20 

5.62 

33 

30.49 

24.99 

19.08 

12.71 

6.83 

34 

31.78 

26.09 

19.95 

13.30 

6.07 

35 

33.28 

27.37 

20.96 

13.99 

6.36 

36 

35.00 

28.84 

22.13 

14.78 

6.69 

37 

36.98 

30.53 

23.46 

15.67 

7.06 

38 

39.21 

32.43 

24.95 

16.67 

7.47 

39 

41.72 

34.55 

26.61 

17.77 

7.93 

40 

44.52 

36.92 

28.45 

19.01 

8.45 

41 

47.63 

39.54 

30.51 

20.39 

9.02 

42 

51.07 

42.46 

32.79 

21.91 

9.65 

43 

54.89 

45.69 

35.31 

23.60 

10.36 

44 

59.10 

49.25 

38.10 

25.46 

1M3 

45 

63.75 

53.18 

41.17 

27.53 

12.00 

46, 

68.88 

57.52 

44.58 

29.82 

12.96 

47 

74.53 

62.32 

48.35 

32.36 

14.02 

48 

80.77 

67.62 

52.52 

35.16 

15.19 

49 

87.63 

73.45 

57.10 

38.25 

16.48 

50 

95.18 

79.86 

62.15 

41.65 

17.90- 

51 

103.48 

86.93 

67.73 

45.43 

19.48 

52 

112.59 

94.71 

73.89 

49.60 

21.22 

53 

122.60 

103.28 

80.67 

54.19 

23.13 

54 

133.59 

112.70 

88.15 

59.28 

25.24 

55 

145.60 

123.01 

96.35 

64,85 

27.55 

56 

158.71 

134.29 

105.34 

70.97 

30.09 

57 

172.95 

146.55 

115.12 

77.64 

32.85 

58 

188.24 

159.74 

125.64 

84.78 

35.79 

59 

204.54 

173.78 

136.81 

92.37 

38.92 

60 

221.75  . 

188.60 

148.62 

100.43 

42.24 

191 


AMER. 
EXP. 

MEAN 

RESERVES 

3^ 

10  Year  Mortuary  Additions 

Years 

Age 

1 

2 

3 

4 

S 

20 

37.81 

34.57 

31.22 

27.74 

24.15 

21 

38.12 

34.87 

31.49 

28.00 

24.38 

22 

38.46 

35.18 

31.79 

28.27 

24.62 

23 

38.82 

35.53 

32.11 

28.57 

24.89, 

24 

39.21 

35.90 

32.46 

28.89 

25.18 

25 

39.64 

36.31 

32.84 

29.25 

25.50. 

26 

40.10 

36.74 

33.25 

29.62 

25.84 

27 

40.60 

37.22 

33.70 

30.03 

26.21, 

28 

41.15 

37.74 

34.18 

30.49 

26.63 

29 

41.75 

38.31 

34.73 

30.99 

27.08, 

30 

42,41 

38.95 

35.32 

31,54 

27.58 

31 

43.14 

39.64 

35.98 

32.15 

28.14 

32 

43.94 

40.40 

36.70 

32.82 

28.75. 

33 

44.81 

41.24 

37.49 

33.56 

29.42. 

34 

45.78 

42.16 

38.36 

34.37 

30.16 

35 

46,85 

43.19 

39.34 

35.28 

30.98 

36, 

48.04 

44.33 

40.42 

36.28 

31.90 

3^7 

49.38 

45.61 

41.63 

37.41 

32.94 

38    . 

50.87 

47.05 

42.99 

38.69 

34.11 

39 

52.57 

48.68 

44.55 

40.15 

35.46 

40 

54.50 

50.54. 

46.33 

41.83 

37.01 

41 

56.71 

52.68 

48.38 

43.76 

38,80 

42 

59.22 

55.12 

50.71 

45.97 

40.83 

43 

62.06 

57.87 

53.35 

48.46 

43.14 

44    . 

65.26 

60.98 

56.33 

51.27 

45.74 

45 

68.87 

64.47 

59.68 

54.42 

48.64 

46 

72.90 

68.38 

63.41 

57.93 

51.85 

47. 

77.40 

72.73 

67.56 

61.82 

55.42 

48     . 

82.39 

77.55 

72.16 

66.13 

59.37 

49 

87.91 

82.87 

77.22 

70.88 

63.73 

50 

94.01  _ 

88.76 

82.83 

76.13 

68.55. 

51 

100.74 

95.25 

89.02 

81.94 

73.87 

52 

108.17 

102.42 

95.84 

88.34 

79.75 

53 

116.34 

110.30 

103.35 

95.38 

86.22. 

54 

125.31 

118.95 

111.60 

103.13 

93.35 

55 

135.14 

128.44 

120.65 

111.63 

101.18 

56 

145.93 

138.86 

130.60 

120.99 

109.79 

57 

157.72 

150.26 

141.50 

131.25 

119.25 

58 

170.61 

162.73 

153.42 

142.48 

129.62 

59, 

184.67 

176.34 

166.45 

154.77 

140.99. 

60   :. 

199.95  ., 

191,15 

180.65 

168.18 

153.42^^ 

192 


AMER. 
EXP. 

MEAN 

RESERVES 

3% 

10  Year  Mortuary  Additions 

Years 

Atfe 

6 

7 

8 

9 

10 

20 

20.42 

16.56 

12.55 

8.38 

4.05 

21 

20.62 

16.73 

12.68 

8.47 

4.09 

22 

20.84 

16.90 

12.82 

8.56 

4.13 

23 

21.07 

17.10 

12.96 

8.66 

4.18 

24 

21.33 

17.31 

13.13 

8.78 

4.23 

25 

21.61 

17.55 

13.32 

8.90 

4.29 

26 

21.90 

17.80 

13.51 

9.03 

4.34 

27 

22.24 

18.07 

13.73 

9.18 

4.41 

28 

22.59 

18.37 

13.96 

9.34 

4.48 

29 

22.99 

18.72 

14.23 

9.52 

4.57 

30 

23.44 

19.09 

14.53 

9.72 

4.65 

31 

23.93 

19.51 

14.86 

9.94 

4.75 

32 

24.47 

19.97 

15.21 

10.18 

4.86 

33 

25.07 

20.46 

15.60 

10.44 

4.98 

34 

25.71 

21.01 

16.02 

10.73 

5.11 

35 

26.44 

21.63 

16.51 

11.07 

5.26 

36 

27.25 

22.31 

17.06 

11.44 

5.42 

37 

28.18 

23.11 

17.69 

11.87 

5.62 

38 

29.23 

24.01 

18.40 

12.36 

5.83 

39 

30.43 

25.04 

19.22 

12.92 

6.07 

40 

31.83 

26.23 

20.17 

13.58 

6.36 

41 

33.43 

27.61 

21.28 

14.33 

6.69 

42 

35.26 

29.19 

22.52 

15.18 

7.06 

43 

37.33 

30.96 

23.92 

16.12 

7.47 

44 

39.65 

32.92 

25.46 

17.17 

7.93 

45 

42.23 

35.11 

27.19 

18.35 

8.45 

46 

45.09 

37.54 

29.11 

19.65 

9.02 

47 

48.26 

40.24 

31.24 

21.09 

9.65 

48 

51.78 

43.23 

33.59 

22.69 

10.36 

49 

55.66 

46.53 

36.19 

24.46 

11.13 

50 

59.95 

50.18 

39.07 

26.42 

12.00 

51 

64.69 

54.21 

42.26 

28.60 

12.96 

52 

69.92 

58.68 

45.79 

31.01 

14.02 

53 

75.70 

63.61 

49.69 

33.67 

15.19 

54 

82.06 

69.04 

53.99 

36.60 

16.48 

55 

89.06 

75.01 

58.72 

39.83 

17.90 

56 

96.76 

81.60 

63.96 

43.42 

19.48 

57 

105.23 

88.86 

69.74 

47.39 

21.22 

58 

114.53 

96.85 

76.11 

51.76 

23.13 

59 

124.76 

105.65 

83.13 

56.59 

25.24 

60 

135.95 

115.29 

90.84 

61.89 

27.55 

THIS  BOOK  IS  DUE  ON  THE  LAST  DATE 
STAMPED  BELOW 


AN  INITIAL  FINE  OF  25  CENTS 

WILL  BE  ASSESSED  FOR  FAILURE  TO  RETURN 
THIS  BOOK  ON  THE  DATE  DUE.  THE  PENALTY 
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